Credit Risk Manager

hace 7 meses

Madrid, España 4finance A tiempo completo

**4finance Group** is one of Europe’s largest digital consumer lenders.

For more than 15 years we have been **providing fast and convenient financial solutions in a digital world.**

Leveraging automation and data-driven insights, 4finance provides convenient products in a **responsible** way. We offer various types of loans, designed to meet our customers’ needs.

At 4finance, we have an **entrepreneurial** mindset, **strive for excellence**, yet **keep things simple**. Our business is driven by leading edge technology and our talented **people** - the most important ingredient of our success. 4finance has created a supportive, rewarding and empowering environment, where employees can grow their talent. We are proud to have a global network of leading experts, who are driven by passion to deliver.

**We love what we do**

**Join our team** We are looking for a **Credit Risk Manager** in **Albasanz Office (Spain)**

**Key responsibilities**:

- Enhancing risk strategy across the credit lifecycle, including origination, scorecard cut-off management, affordability assessment, limit management, and cross-product pre-approval
- Actively managing the risk and reward balance of credit risk strategy for our portfolio in the UK, utilizing internal and external data, and scoring models
- Understanding and developing key metrics to assess the performance of risk strategies
- Generating and delivering presentations on credit risk performance and significant trends
- Participating (providing business requirements) in building credit scoring models to drive growth and improve efficiency of the processes across the company
- Interaction with DWH, marketing, collection, reporting and IT

**Your profile**:

- Bachelor's/Master’s degree in a quantitative discipline such as mathematics, economics, computer science
- Some experience in unsecured credit risk lending and strategy development within consumer lending organizations
- Experience working with large data sets and using analysis/modelling to drive business results
- Experience with databases (SQL) and MS Excel skills
- Preferably, knowledge of Python for data analysis
- Ability to communicate clearly and concisely in English (verbally and written)
- You are organized, detail-oriented, self-motived and creative professional
- Local resident of Spain or ready for relocation to Spain (Madrid)

**We are offering**:

- Challenging projects that you will have the real impact on
- Employee development program to support you in your personal and professional development
- The best team and great colleagues
- Teambuilding and company events
- Employee benefits
- Relocation package
- Salary up to 4000 EUR gross per month
- On-site work

**Employment type**: Permanent

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