Senior Credit Risk Analyst

hace 3 días

Málaga, España TF Bank A tiempo completo

**Key Responsibilities**:

- Collect and analyse data from various sources, including internal systems, Credit Bureaus, to identify trends, patterns, and opportunities and propose changes in credit policy or marketing activities.
- Develop and implement changes to balance risk and profitability for credit card products.
- Actively participate in the credit limit management process, monitoring its performance and proposing changes to the strategy as needed.
- Develop and maintain statistical models e. g. scorecards for credit risk area.
- Provide actionable insights and recommendations to stakeholders based on data analysis, helping them make informed decisions and drive business growth.
- Collaborate with teams within decision and analytics area and other ones in different geographical locations.
- Effectively communicate complex analytical findings and insights to both technical and non-technical stakeholders through presentations, reports, and visualizations.

**Qualifications and Experience**:

- Bachelor's degree in a relevant field such as Mathematics, Statistics, Economics, Quantitative Methods, Computer Science or Engineering. A Master's degree is preferred.
- Minimum of 3 years of experience in analytics or a data science field.
- Experience in the financial sector is required, especially in retail credit risk.
- Deep understanding of credit card products, including risk and profitability drivers.
- Proven experience in credit limit management processes (e.g. setting, monitoring, adjusting).
- Excellent analytical and problem-solving skills, with a strong attention to detail. Algorithmic and creative approach to solving problems.
- Proven track record of delivering impactful insights and recommendations based on data analysis.
- Fluent English to be able to collaborate with colleagues from other countries.

**Skills**:

- Proficiency in data modelling methodologies and statistical analysis techniques.
- Practical knowledge from the German,the UK and Spanish markets will be a plus.
- Knowledge of programming languages such as Python or R is preferred.
- Excellent knowledge of SQL for data extraction and manipulation.
- Experience in predictive modelling using logistic regression will be a plus.
- Good communication and presentation skills, with the ability to translate complex data into clear and actionable insights.
- Ability to work effectively in a fast-paced, dynamic environment, managing multiple priorities and meeting deadlines.

**Please submit your updated CV in English.

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