Credit Risk Analyst

Madrid Office - Hybrid: 4 days in the office, 1 day working from home

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium-sized businesses to trade and transact internationally by eliminating boundaries related to more traditional.

Are you ready to be an Eburian?

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling. You will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.

What you will do:

• Support, and report to, the Credit Risk Manager.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist where necessary.
• Share your thoughts to improve our processes.

It would be a plus to have:

• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way.
• A solid understanding of accountancy principles.
• An understanding of FX markets and associated vanilla products.
• An ability to work in Excel in a professional setting.

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonusthat truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Office: A fantastic location with excellent transport links.

#LI-JG1