Credit Risk Analyst

Ebury is a leading global fintech company that empowers businesses to trade and grow internationally. It offers a comprehensive suite of products, including international payments and collections, FX risk management, trade finance, and API integrations. Founded in 2009 by Juan Lobato and Salvador García, Ebury is one of the fastest-growing global fintechs, with over 1,700 employees and 38 offices in more than 25 countries.

**Credit Risk Analyst**

**Málaga 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 25 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, 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.
- 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._