Junior Risk Analyst – Factoring

Job not on LinkedIn

🔥 1 hour ago

🇩🇪 Germany – Remote

⏰ Full Time

🟢 Junior

🎲 Risk

🚫👨‍🎓 No degree required

👻 Ghost score 22%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Goya Finance AG

WebsiteLinkedInAll Job Openings

11 - 50 employees

🏥 Healthcare

📦 Logistics

💼 Consulting

Healthcare • Logistics • Consulting

Goya Finance AG is a European financial technology company specializing in automated factoring and receivables management for small and mid-sized businesses, healthcare practices, and mobility service providers. It offers an online factoring platform with fast payouts (up to 24 hours), loss protection, automation of routine processes, and GDPR-compliant data storage, plus an API that lets partners embed financing solutions into their software. Goya positions itself as a B2B provider focused on improving liquidity, operational efficiency, and data security through integrated technology and banking partnerships.

📋 Description

• Analyze credit, default, and creditworthiness risks • Implement projects in risk, regulatory, and compliance-related areas • Assess customers, debtors, and financing exposures • Prepare and further develop risk reports and key performance indicators • Support the optimization of risk management processes • Risk controlling and reporting • Work closely with Business, Operations, and Finance • Develop data-driven decision-making frameworks to inform business decisions

🎯 Requirements

• Degree in Finance, Banking, Business Law, STEM, or a comparable qualification • Solid experience in credit risk or risk management • Excellent analytical skills • Strong knowledge of accounting and financial statement analysis • Advanced SQL and Business Intelligence skills • Knowledge of regulatory requirements, including MaRisk, KWG, and DORA • German (C1+) • Good command of English • An innate curiosity about professional and technical topics

🏖️ Benefits

• Hybrid working / remote work possible • Direct impact on business decisions • Short decision-making processes and direct collaboration with management • Individual development opportunities in risk and credit • Scope for ownership and making an impact • International team • Dynamic environment