Credit Risk & Process Analyst - SME/Micro Digital Lending with Spanish

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June 29

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Aion Bank

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Is your money standing still? From savings to daily banking services, Aion Bank gives unlimited access to products designed to help you grow your money. We offer you full transparency so you can get the most out of your money.

201 - 500 employees

📋 Description

• Architect of credit risk assessment solutions for SME and Micro digital lending space • Translate deep credit risk knowledge into best-in-class digital risk assessment concepts • Define requirements and design efficient, automated workflows for credit risk decisioning • Serve as the bridge between Risk, Business, and IT teams • Handle end-to-end process lifecycle from concept to post-launch monitoring

🎯 Requirements

• Strong understanding of credit risk processes, policies, scorings and decisioning rules particularly for digital Micro/SME lending • Design credit capacity methods considering common financials data sources and taxation rules applicable in a given country (especially France or Spain) • Ability to define key elements for automated or semi-automated credit risk assessment purpose, manage timelines, and ensure deliverables meet expectations, while working with both business and technical teams • Experience in preparing detailed documentation for credit risk processes, requirements, and project progress • Solid experience in the banking or financial services sector, with a focus on credit risk management • Proficiency in SQL to analyze data and ensure alignment with business and risk requirements • Strong analytical, problem-solving, and critical thinking skills, with the ability to assess risk and define business solutions • A degree in Finance, Statistics, Computer Science, Mathematics, Econometrics, or a related field • Strong communication skills, both written and verbal, to effectively collaborate with cross-functional teams and stakeholders • Working proficiency in Spanish

🏖️ Benefits

• VIP-level private medical care which includes dental treatment and a hospitalisation package • Psychological consultations coverage • Aion bank account without fee • Multisport card co-sponsorship, covering 50% of its cost • Computer equipment - Apple MacBook • Healthy snacks in the office