As a Senior Credit Risk Analyst within our growing team, you will play a critical role in assessing and managing the creditworthiness of our clients across all territories, ensuring the stability and growth of our business. You will be responsible for end-to-end risk mitigation decisioning while creating a positive and smooth client journey that ultimately helps businesses gain the funding they need to grow. While also playing a key role in helping us shape our risk underwriting, monitoring, lending policies, procedures and the development of our decisioning tools.
As an ideal candidate you will be able to understand, manipulate, interpret and make decisions based on a host of quantitative and qualitative data.
Requirements
- 2+ years commercial experience as an underwriter or credit analyst
- Strong general financial acumen and understanding of credit risk management principles, methodologies, and regulatory requirements
- Make sound judgment on financial applications on new and existing clients to evaluate their creditworthiness and determine appropriate risk rating
- Assess and interpret financial statements, credit reports, industry trends, and other relevant data to form a holistic view of credit risk
- Ensure timely completion of all credit applications within agreed SLA’s
- Support in ongoing risk management, monitoring and control of a portfolio of clients
- Support the collections and recovery process
- Collaborate with cross-functional teams, assisting the Sales and Account Management teams with risk related queries to ensure effective risk management practices and a smooth customer journey
- Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity.
- Ensure compliance with the AML and Onboarding policies and procedures on a client level
- Prepare and recommend credit decisions on applications to the Credit Risk Committee
- Engage sophisticated clients directly when required
Our dream candidate
- Excellent attention to detail and strong problem-solving abilities
- Effective communication skills to present complex information in a clear and concise manner
- Fluency in Spanish or German
- Proficiency in Excel
- Experience using SQL preferred but not a requirement
- Experience from other financial or fintech companies preferred
The details: Outfund is an equal opportunities employer
Benefits
- Competitive Salary
- Company Stock Options
- Flexible working
- Device of your choosing (Macbook Air or Dell XPS)
- 24 Days Holiday (excluding Bank Holidays)
- Your Birthday off!
- Support and Coaching