Credit Risk Analyst – SME

About the role

As Credit Risk Analyst – SME, you will be responsible for building and optimizing automated credit strategies for small and medium-sized enterprises. You'll bring hands-on coding expertise to work directly with data pipelines, API integrations, decision engines, with the option to branch into model building (PD, LGD, EAD, EL).

What you'll do

• 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.
• Build PD, LGD, EAD, EL models at a later stage.
• Analyze portfolio performance, identify risk drivers and mitigation strategies based on empirical data or feature engineering.
• Build dashboards for insights. Measure and monitor process efficiency, identify bottlenecks and blockers in workflows and resolve them together with the team.
• Build E2E data pipelines using SQL, Python and decision engines.
• Partner with Risk Management, Data and Engineering teams to build E2E data processes together. Manage cross-functional projects.
• Support data-driven decision making within the credit risk domain and foster open dialogue focused on mutual respect.

What you'll need

• 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.
• 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.
• Fluent in English; additional European languages are a plus.

What they offer

• 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
• Pliant Card with monthly credit to explore the product and enjoy food with colleagues