We are seeking a talented Principal Credit Risk Analyst to join our growing Credit Risk Analytics team. This role is specifically designed for professionals with 6-10 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.

Please note: This position is for a Principal Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.

About the Role:
As a Principal Credit Risk Analyst, you will contribute to the development, daily management and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with experience in unsecured lending to get wider exposure and larger remit (affordability strategy (including use of Open Banking and other alternative data sources), underwriting scorecards and credit strategy, pricing models and strategies, low and grow strategies, pre-collection strategies, launch of new credit products) whilst working with cutting-edge statistical models,



data-driven insights and best in class datasets.

The role focuses on the UK market and requires experience of the UK lending landscape, but you will have the opportunity to work in a pan-European team and get exposure to credit risk analytics across our international markets including Germany, Austria, Norway, Spain, Italy, and other European markets.

The role is adecuado for a very experienced analyst who wants to stay hands-on while developing their mentoring/supervising and DS/analytical product management skills.

Key Responsibilities:
- Data Analysis & Insights: Opportunity to own end to end strategies for some specific population segments. Collect, analyse, and interpret data from multiple sources including internal systems, open banking and Credit Reference Agencies (CRAs) to identify trends, patterns, and opportunities that inform credit policy, Credit limit and pricing strategies.
- Model Development: Developin

📌 Principal Credit Risk Analyst (Málaga)
🏢 TF Bank
📍 Málaga