Credit Risk Analyst – SME (m/f/d)
About the positionResponsibilities• Credit strategy: Design, develop, test and calibrate automated credit risk strategies and continuously improve them based on empirical tests. Implement monitoring processes. Design and build early warning systems. • Loss models: At a later stage, build PD, LGD, EAD, EL models. • Portfolio: Analyze portfolio performance, identify risk drivers and mitigation strategies based on empirical data or feature engineering. • Efficiency: Build dashboard for insights. Measure and monitor process efficiency, identify bottlenecks and blockers in workflows and resolve them together with the team.• Process automation: Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters. Build E2E data pipelines using SQL, Python and decision engines. • Collaboration: Partner with Risk Management, Data and Engineering teams to build E2E data processes together. Manage cross-functional projects. • Communication: Facilitate smooth and fact-based information flow between your colleagues. Support data-driven decision making within the credit risk domain.Support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results. Requirements• Degree in a quantitative or engineering discipline or related field. • 3–5 years of experience in risk modelling, quantitative analytics, financial engineering or similar domain• Good understanding of credit risk strategies for unsecured SME exposures; familiarity with open banking data and transaction-level insights is a plus. • Strong data analysis and engineering capabilities, SQL and Python is essential.Command of statistical modeling software is a plus. • Experience in working with APIs, decision engines, as well as data aggregation and orchestration services is a strong plus. • Experienced in agile development, and ability to own and drive cross-functional projects. • Determination and desire to work in a team to achieve high-quality results for our customers, even under stress. • Fluent in English; additional European languages are a plus. Benefits• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence• Attractive remuneration• Flat hierarchy and transparent communication in a relaxed, professional atmosphere• Opportunity to develop your talent in a dynamic team with ambitious goals• Flexibility and possibility to work remotely• Company card with a monthly allowance for lunches, coffee, etc.with co-workers Apply tot his job