About the Role

We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection activities, and provide analytical support for portfolio sales and transactions across our markets.

You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it happened and what we should do next.

Key Responsibilities

Analyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitability

Identify emerging risks and opportunities and translate findings into concrete business recommendations

Measure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor performance and cure rates

Design and evaluate tests to determine the incremental impact of pre-collection initiatives

Develop robust SQL analyses, datasets and recurring performance reporting

Support portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoring

Ensure strong data quality, consistent definitions and clear documentation

Present findings in a concise and commercially relevant way to business stakeholders, committees and management

Collaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partners





Qualifications and Experience

Strong SQL skills and experience working with large and complex datasets

A relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field

Experience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environment

Strong analytical and problem-solving skills, combined with commercial judgement

Ability to turn complex analyses into clear conclusions and practical recommendations

A structured and independent working style, with strong attention to data quality and detail

Strong communication skills and confidence working with both technical and business stakeholders

Professional proficiency in English

Experience with Power BI, advanced Excel, pre-collection, portfolio sales or debt-purchase transactions is a plus

We Offer
You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage portfolio performance, prevent future credit losses and execute portfolio transactions.

Avarda Group helps customers across Europe manage their personal finances. We have been listed on Nasdaq Stockholm since 2016. Born in a small Swedish town, we combine a pragmatic and disciplined business mindset, with cutting edge technology and innovation, always with a strong focus on cost-efficiency and profitability. Our self-developed, scalable platform and infrastructure enable efficient expansion across multiple markets.

We move customers, partners and ourselves forward – towards new opportunities and evolving needs.

Forward. Avarda.

📌 Credit Risk Management & Performance Analyst (Málaga)
🏢 Avarda Group
📍 Málaga