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

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