Junior Credit Risk Portfolio Analyst (m/f) | Hamburg

Description

The scope of this role is to strengthen our credit & portfolio risk management and to develop new approaches for portfolio management.

• Developing an accurate and timely credit portfolio management framework, covering daily, weekly and monthly management reporting;
• Developing solutions to ensure the accuracy of credit risk measurement and the capture of necessary data to support future credit model development;
• Providing credit risk analysis and support management decision on related topics, including: Risk-return monitoring, impairment analysis based on statistical models, suggesting feedback to scoring model and feedforward for budgeting as well as scenario analysis;
• Monitoring portfolio risk and ensure that key indicators tracking is within risk appetite framework and benchmarks;
• Proactively engage with credit issues and recommend business solution in order to sustain business and profitability growth;
• Partnership with Strategic Analytics and Finance to ensure effectiveness of credit strategy is in line with budgetary goal. Suggest necessary improvement where appropriate.

• Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics;
• Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems;
• Good programming skills in advanced Excel/VBA, SQL, R or Python in mainframe, UNIX and PC environments;
• Analytical mindset;
• Experience, interest and aptitude in credit business and generally financial services industry;
• Fluent in English and ideally also in German. Any other language would be a plus;
• Ability to work effectively, both independently/self-directed and as a member of a team; attention to details and timeliness in delivering on commitments; skilled in problem solving, decision making, and conflict resolution; good communication skills;
• Desire to work with an international team of professionals who are passionate about their work and projects.

• Join a dynamic and diverse team of experienced credit risk manager, in one of the fastest growing Fintech organizations;
• Learn modern digital credit risk portfolio management in context of credit risk assessment based on machine learning and fully digitalized underwriting process;
• Be part of new digital lending in an agile environment that allows you to explore better credit risk approaches;
• 28 days of paid leave, so long as you promise to come back!;
• Work in an awesome office in the heart of Hamburg with the best views of the city and plenty of things to do nearby.

At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!