Chief Risk Optimization Specialist

hace 6 días


Madrid, Madrid, España Multitude A tiempo completo

Company Overview

Multitude is a pioneering financial technology growth platform, fully regulated and backed by +15 years of solid track record in building and scaling fintech solutions. With its full European banking license, profound expertise in technology, regulation, cross-selling, and funding, Multitude empowers sustainable banking and financial services to grow and scale.

The company has three independent business units on this growth platform: Ferratum as a consumer lender, Capital Box as a business lender, and Sweep Bank as a shopping and financing app. Multitude and its units employ over 700 people across 19 countries and generated EUR 230 million turnover in 2020.

Multitude was founded in 2005 in Finland and is listed in the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'FRU.'

Salary

We offer a competitive salary range between €80,000 - €120,000 per annum, commensurate with experience.

Job Description

You will work remotely from Spain as our Senior Credit Risk Manager, responsible for credit risk management and assumed credit losses in 3-4 markets. Key responsibilities include:

  • Analyzing lending product portfolios from a credit risk perspective to identify profitable sales opportunities;
  • Supporting future risk management strategy and product offerings with relevant analysis and insights;
  • Conducting projects related to data gathering and data pilots;
  • Documenting and suggesting changes to policy rules, credit scoring strategy, internal reporting systems, and KPIs;
  • Tracking, communicating, and drawing data-driven insights from credit risk-related KPIs through intensive monitoring;
  • Analyzing large complex data sources such as financial transactions and credit bureau reports to extract meaningful information;
  • Supporting junior team members with their deliverables.

Required Skills and Qualifications

To succeed in this role, you should have:

  • Higher education in one of the following fields: Economics, Finance, Statistics, Mathematics, Engineering, or Sciences;
  • At least 5 years of work experience related to credit risk management, business intelligence, data analysis, and/or statistical modeling;
  • Excellent working knowledge of SQL, Excel, and data visualization skills;
  • Experience making timely and rational decisions based on relevant information and experience, backed up by data;
  • Able to balance elegant problem-solving with business needs;
  • Experience supporting junior team members with their deliverables;
  • Excellent communication skills with experience adapting your style and approach to the audience and message.

Benefits

We offer:

  • Financial support for learning and development;
  • A remote way of working;
  • Opportunity to join our share matching plan;


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