Senior Credit Risk Analyst

TF Bank

  • Málaga
  • Permanente
  • Tiempo completo
  • Hace 30 días
We are seeking a seasoned Credit Risk professional with expertise in credit risk analytics and/or Scorecards in Financial services (preferably with direct experience with Credit Cards lending). As Senior Credit Risk Analyst, you will play a crucial role in developing origination and credit management (Credit limit increase and decrease) policies and strategies for approval area in the bank.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 maintain scorecards for credit risk.
  • Develop and maintain credit policies, report on various KPIs and present to key stakeholders and committees.
  • Provide actionable insights and recommendations to stakeholders based on data analysis, helping them make informed decisions and drive business growth.
  • Collaborate with international teams within decision and analytics.
  • Effectively communicate complex analytical findings and insights to both technical and non-technical stakeholders through presentations, reports, and visualizations.
Qualifications & Previous Experience:
  • Bachelor's degree in a relevant field such as Mathematics, Statistics, Economics, Quantitative Methods, STEM. A Master's degree is preferred.
  • Minimum of 3 years of experience in analytics or a data science in retail credit risk area.
  • Excellent analytical and problem-solving skills, with a strong attention to detail. Creative approach to solving problems.
  • Proven track record of delivering impactful insights and recommendations based on data analysis.
  • Market knowledge from UK, Spain or Italy market will be a plus.
  • Excellent knowledge of SQL for data extraction and manipulation.
  • Knowledge of programming languages such as Python a plus.
  • Experience in predictive modelling using logistic regression will be a plus.
  • Fluent English to be able to collaborate with colleagues from other countries.
  • Strong collaborative skills, and enjoy being part of an international, multi-location team.
  • Strong communication and presentation skills, with the ability to translate complex data into clear and actionable insights.
  • Ability to work effectively in a multi-location, fast-paced, dynamic environment, managing multiple priorities and meeting deadlines.
TF Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptability to different products, countries, currencies and digital banking solutions. TF Bank prioritises organic growth under controlled conditions and expansion is taking place in carefully selected segments and markets. Operations are conducted in the Nordics, the Baltics, Poland, Germany, Austria, Spain, Ireland, the Netherlands and Italy through subsidiary, branch, or cross-border banking with the support of the Swedish banking license.The business is divided into three segments: Credit Cards, Ecommerce Solutions and Consumer Lending. The target group for all services is creditworthy private individuals and the loan amounts are relatively small with short repayment terms. TF Bank also offers deposit products in several markets.

TF Bank