Senior Risk Analyst

Novicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions.

With offices in Barcelona and Madrid, we are currently looking for a
Senior Risk Analys
t who wants to join our team. You will take ownership of credit underwriting & monitoring activities at Novicap with the view to reduce and mitigate the impact of credit and fraud risk. Given that providing financing to SMEs and mid-market corporates is core to our vision, managing credit and fraud risk is crucial to Novicap's continued success

.

Sounds interesting? Keep readin

**g

What will you**

do?

As mentioned, you will take ownership of credit underwriting & monitoring activities at Novi

cap.In order to achieve your mission, you w

• ill:

Execute end-to-end risk analysis for new and existing clients (Corporate Rating/Risk Basket and Direct Risk assignment) using the Novicap Platform and external t
- ools.Perform fraud checks and operational viability filters before deep financial anal
- ysis.Assess and value third-party credit assignments (recurrent cash flows or contracts) using Novicap's Collateral methodo
- logy.Approve transactions within assigned attributions or prepare comprehensive "Risk Reports" to elevate complex cases to the Underwriting Manager or the Underwriting Commi
- ttee.Manage daily alerts via the Early Warning System (e.g. CIRBE changes, tax debts, unpaid bureaus) and resolve account blocks in coordination with Operat

• ions.

Ensure all assigned Debtors and Suppliers have valid, up-to-date Risk Reports, based on the relevant frequency (from quarterly to annually, depending on the
- case).Participate in weekly or monthly coordination with other teams (e.g. Collections, Operations, Commercial) and document lessons learned in internal docu

ments.

In doing so, you will contribute to the achievement of Novicap's long-term growth

**plans.

How will yo**

u do it?

With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue

to grow.

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven

approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own

**interests.

Who will you be w**

orking with?

You will report directly to the Underwriting Manager and work closely with the rest of the Underwriting teams across Madrid and Barcelona. We are a young and dynamic team that's waiting for you wi

**th arms open

You are the right fi**

• t if you have:

A Bachelor's degree in Economics, Busine
- ss, or Finance.A minimum of 5 years experience working as a credit underwriting analyst in a top 5 bank, an alternative lender, or a
- Big 4 in Spain.Proficiency in financial statement analysis and account
- ing principles.An understanding of Working Capital products (Factorin
- g, Confirming).The ability to work within the Novicap Platform
- and Dashboards.The ability to synthesize complex financial data (P&L, Balance Sheet, Cash Flow) into a clear "Risk Basket" (1-19), according to the Unde
- rwriting PolicyThe capability of making autonomous decisions within the Attr
- ibution Matrix.The ability to explain rejections or conditions clearly to Commercial teams ("Reject and Expl
- ain" protocol).The proactiveness investigation of potential "orange/red flags" in the Early
- Warning System.The ability to work across teams, with a positive and problem-solving attitude, in particular when facing the C

**ommercial team.

What c**

• an we offer you?

Full-time work with an op
- en-ended contractHybrid work model: we work 3 days from the office and 2 days from home to improve
- work-life balanceFlexible benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, d
- aycare and othersMedical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarant
- ee your wellbeingCommunicate better with your colleagues by signing up for free English or Spanish classes
- if you need themGym membership with Urban Sports Club, partly subsidized by Novicap (we also have
- a running club)Incredible and highly mot
- ivated co-workersYou will participate in our company events and get to meet the rest of the team that is sp
- read across SpainYou will be part of our dynamic and international work environment, with a flat hierarchy and open communicat
- ion between teamsLibrary with plenty of books to choose from. If you can't find anything, let us know and we'll add i
- t to the library.Free fruit, coffee and tea in the office. We know it's customary, but we like to take ca

re of you anyway.

Novicap is an equal opportunity employer and does not discriminate on the basis of race, color, national origin, ancestry, citizenship status, religion, physical or mental disability, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation. We make every effort to ensure that all candidates are treated f

airly and equally.

If you think you don't tick all the boxes, we'd still love to hear from you. Nobody checks every box, and we are looking for someone excite

d to join the team