About the RoleWe 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 ResponsibilitiesAnalyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitabilityIdentify emerging risks and opportunities and translate findings into concrete business recommendationsMeasure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies,



vendor performance and cure ratesDesign and evaluate tests to determine the incremental impact of pre-collection initiativesDevelop robust SQL analyses, datasets and recurring performance reportingSupport portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoringEnsure strong data quality, consistent definitions and clear documentationPresent findings in a concise and commercially relevant way to business stakeholders, committees and managementCollaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partnersQualifications and ExperienceStrong SQL skills and experience working with large and complex datasetsA relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative fieldExp

📌 Credit Risk Management (Andalucía)
🏢 Avarda Bank AB (publ)
📍 Andalucía