Novicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions. With offices in Barcelona and Madrid, we are currently looking for a Senior Risk Analyst who wants to join our team. You will take ownership of credit underwriting & monitoring activities at Novicap with the view to reduce and mitigate the impact of credit and fraud risk. Given that providing financing to SMEs and mid-market corporates is core to our vision, managing credit and fraud risk is crucial to Novicap's continued success. As mentioned, you will take ownership of credit underwriting & monitoring activities at Novicap. Execute end-to-end risk analysis for new and existing clients (Corporate Rating/Risk Basket and Direct Risk assignment) using the Novicap Platform and external tools. Perform fraud checks and operational viability filters before deep financial analysis. Assess and value third-party credit assignments (recurrent cash flows or contracts) using Novicap's Collateral methodology. CIRBE changes, tax debts, unpaid bureaus) and resolve account blocks in coordination with Operations. Collections, Operations, Commercial) and document lessons learned in internal documents. We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach. We support and contribute to our community, seeking the common good above our own interests. A Bachelor's degree in Economics,



Business, or Finance. A minimum of 5 years experience working as a credit underwriting analyst in a top 5 bank, an alternative lender, or a Big 4 in Spain. Proficiency in financial statement analysis and accounting principles. The ability to synthesize complex financial data (P&L;, Balance Sheet, Cash Flow) into a clear "Risk Basket" (1-19), according to the Underwriting Policy The ability to explain rejections or conditions clearly to Commercial teams ("Reject and Explain" protocol). The proactiveness investigation of potential "orange/red flags" in the Early Warning System. The ability to work across teams, with a positive and problem-solving attitude, in particular when facing the Commercial team. Full-time work with an open-ended contract Hybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance Versátil benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others Medical insurance:

we offer
an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing Communicate better with your colleagues by signing up for free English or Spanish classes if you need them Free fruit, coffee and tea in the office. Novicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions. #

📌 Senior Credit Risk Consultant (Barcelona)
🏢 Deutsche Bank
📍 Barcelona