Credit Risk Analyst

Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we've grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You'll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry.

**Credit Risk Analyst**

**Madrid Office - Hybrid: 4 days in the office, 1 day working from home**

**Are you ready to be an Eburian?**

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.
You will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.

**What you will do**:

- Support, and report to, the Credit Risk Manager.
- Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
- Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
- Present and defend your analysis personally at credit committee meetings to senior management.
- Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
- Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
- Proactively manage your own pipeline of work.
- Liaising with managers across our other geographies to add insight or assist where necessary.
- Share your thoughts to improve our processes.

**It would be a plus to have**:

- A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
- A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way.
- A solid understanding of accountancy principles.
- An understanding of FX markets and associated vanilla products.
- An ability to work in Excel in a professional setting.

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**About Us**

**Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.**

Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 29 markets worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Vancouver to Auckland, we enjoy sharing team experiences and celebrating success across the Ebury family.

Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.

None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.

At Ebury, we're committed to building a workplace where everyone feels valued, supported, and empowered to thrive. We're proud to have active employee networks and ESG initiatives that reflect our inclusive culture, including our **Women's Network**, **LGBTQIA+ Network**, and **Veterans Network**. These communities provide spaces for connection, mentorship, advocacy, and collaboration across our global teams.
- We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future._