Credit Risk Analyst

4finance Group  is one of Europe's largest digitalconsumer lenders.
For more than 15 years we have been providing fast and convenient financial solutions in adigital world.
Leveragingautomation and data-driven insights, 4finance provides convenient products in a responsible way. We offer various types of loans, designed tomeet our customers' needs.
At 4finance, we have an entrepreneurial mindset, strive for excellence , yet keepthings simple . Our business is driven by leading edge technology and ourtalented people - the most important ingredient of our success. 4financehas created a supportive, rewarding and empowering environment, where employeescan grow their talent. We are proud to have a global network of leadingexperts, who are driven by passion to deliver.
We love what we do!
Join our team! We are looking for a  Credit Risk Analyst  in  Albasanz Office!

Key responsibilities:
Enhancing risk strategy across the credit lifecycle, including origination, scorecard cut-off management, affordability assessment, limit management, and cross-product pre-approval
Actively managing the risk and reward balance of credit risk strategy for our portfolio in the UK, utilizing internal and external data, and scoring models
Understanding and developing key metrics to assess the performance of risk strategies
Generating and delivering presentations on credit risk performance and significant trends
Participating (providing business requirements) in building credit scoring models to drive growth and improve efficiency of the processes across the company
Interaction with DWH, marketing, collection, reporting and IT
Your profile:
Some experience in unsecured credit risk lending and strategy development within consumer lending organizations
Experience working with large data sets and using analysis/modelling to drive business results
Experience with databases (SQL) and MS Excel skills
Preferably, knowledge of Python for data analysis
Ability to communicate clearly and concisely in English (verbally and written)
You are organized, detail-oriented, self-motived and creative professional
Local resident of Spain or ready for relocation to Spain (Madrid)
We are offering:
Challenging projects that you will have the real impact on
Employee development program to support you in your personal and professional development

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