Credit Risk Manager

hace 5 días


En remoto, España Multitude A tiempo completo

Multitude is a fully regulated growth platform for financial technology. Its ambition is to become the most valued financial ecosystem. This vision is backed by +15 years of solid track record in building and scaling financial technology. Through its full European banking license, profound know-how in technology, regulation, cross-selling, and funding, Multitude enables a range of sustainable banking and financial services to grow and scale.

Currently, it has three independent business units on this growth platform: Ferratum as a consumer lender, CapitalBox as a business lender, and SweepBank as a shopping and financing app. Multitude and its independent units employ over 700 people in 19 countries, and they together 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.’

We are looking for a **Credit Risk Manager** to be based in Spain (teleworking).

**Responsibilities**:
You will be responsible for Credit Risk Management and assumed Credit Losses in 1-2 markets.

With support from senior members of the team, you will be required to:

- Analyze lending product portfolio from the credit risk perspective and look for profitable sales opportunities;
- Support future risk management strategy and product offering with relevant analysis and insights;
- Conduct projects related to data gathering and data pilots;
- Document and suggest changes to policy rules, credit scoring strategy, internal reporting systems and KPIs;
- Track, communicate and draw data-driven insights from credit risk related KPIs through intensive monitoring;
- Analyze large complex data sources such as financial transactions and credit bureau reports to extract meaning.

**Skills and Experience**:

- Suitable education (BSc/MSc/PhD in Economics, Finanace, Statistics, Mathematics, Engineering, Sciences or the equivalent);
- 3-5 years of work experience related to credit risk management, business intelligence, data analysis and/or statistical modelling;
- Good working knowledge of SQL, Excel and data visualization skills;
- Good communication skills with experience of adapting your style and approach to the audience and message to be delivered;
- Experience of making timely and rational decisions, based on relevant information and experience, backed up by data;
- Ability to balance between elegant problem solving and business need of the hour.

**We Offer**:

- Health insurance.
- Share matching options scheme
- Flexible working hours
- Possibility to work from home and from the office
- Opportunities for growth and realization of own ideas and further training
- Financial support for learning and development.
- Monthly team-building events.
- A friendly and collaborative atmosphere in a fun startup-like culture.



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