Credit Risk Analyst

Fintech-Rec recruit on behalf of some of the most recognised brands within FinTech, FX & Payments.

Credit Risk Analyst

Company Overview:

Job Summary:

As a Credit Risk Analyst - you will play a pivotal role in assessing and managing credit risks associated with our client s customer base. Your keen analytical skills and meticulous attention to detail will drive your ability to make informed credit decisions, ensuring the financial stability and growth of the business. You will collaborate closely with various internal teams to optimise credit risk strategies, contribute to risk modelling and monitor portfolio performance.

Requirements

Develop and implement credit risk assessment models, ensuring accuracy, efficiency and alignment with business goals

Analyse financial statements, credit reports and other relevant data to assess customers repayment capacity and potential risks

Collaborate with the sales and operations teams to review and approve credit applications within established guidelines

Monitor credit exposure, assess changing risk profiles and proactively identify potential credit issues - taking appropriate actions to mitigate risk

Conduct periodic reviews of existing customers creditworthiness, adjusting credit limits or terms as necessary

Stay current with industry trends, regulatory changes and best practices within credit risk management to inform continuous improvements

Prepare and present reports on credit portfolio performance, risk assessments and recommended actions to senior management

Assist in developing and refining credit policies, procedures and risk assessment frameworks

Experience and Qualifications:

Bachelors degree in Finance, Economics, Business or a related field

3+ years experience in credit risk analysis within payments, banking or relevant fintech sectors - with a focus on FX markets

Strong understanding of financial markets, credit risk modelling and statistical analysis techniques

Proficiency in utilising data analysis tools such as Excel, Python, R, or similar

Familiarity with credit scoring models, risk assessment methodologies and regulatory requirements

Exceptional analytical and problem-solving skills, with the ability to translate data into actionable insights

Detail-oriented mindset and a track record of making accurate and timely credit decisions

Excellent communication skills, both written and verbal, to effectively convey complex information to non-technical stakeholders

Team player who can collaborate effectively across departments to achieve shared goals

Self-motivated and adaptable - capable of thriving in a fast-paced, dynamic fintech environment

Professional integrity and a commitment to ethical conduct in credit assessment and decision-making

Analytical Thinker

Ability to dissect complex financial data, identify trends and draw meaningful conclusions to inform credit decisions

Innovative Mindset

Willingness to embrace new technologies and methodologies to enhance credit risk assessment processes

Decision-Maker

Confidence to make sound credit decisions within established guidelines, backed by thorough analysis.

Eagerness to work cross-functionally and communicate effectively to achieve collective goals

Ethical Leadership

Benefits