Ebury is a hyper-growth FinTech firm, named in 2021 as one of the top 15 European Fintechs to work for by AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration.
Credit Risk Analyst - Ebury Lisbon Office
Work Pattern: 4 days in the office, 1 day from home
Your Role
Our lending is powered by business insight. The risk team undertakes a thorough rigorous analysis of the SME businesses looking to take our services. This will include an assessment of their markets, financials, products, activities and cash headroom modelling. The person will be expected to prepare a submission to our Credit Committee with results and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.
The ideal candidate would complement Ebury's analytical and statistical capabilities with her own country-specific hands-on knowledge of defaults, credit underwriting, and collections. The key is to add qualitative insight to credit decisions including granting lines, monitoring them, and pursuing collections.
Responsibilities:
Assess company financials, operations, and trade cycles to understand fundamental business health and inherent credit risk.
Analyse companies' structure, their directors and activity to understand fraud risk.
Synthesise and present analysis to senior leadership during the decision-making process.
Monitor the existing client portfolio and review requests from existing clients.
Be the first point of contact for the Portuguese market.
Provide support for credit analysis for other countries.
About the Candidate:
Quantitative bachelor's and/or master's degree – Accounting, Economics, Finance, Mathematics, or similar (essential).
Strong knowledge of the Portuguese market and its specifics.
Fluent in Portuguese (essential) and English (essential). Further languages spoken will be highly valued, especially French.
Autonomous and comfortable interacting with other departments.
Analytical mind and strong problem-solving skills.
Experience in understanding how businesses work and perform.
Full understanding of balance sheet, P&L and cash flow.
Knowledge of FX and lending products.
Ability to read Portuguese management accounts (Balancetes).
Clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way.
Willing to work in a highly demanding, result-oriented, and truly global team environment.
Working knowledge of Excel essential (VBA/Macros desirable).
About Us
Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.
Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 25 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, we enjoy sharing team experiences and celebrating success across the Ebury family.
Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.
None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.
We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future.
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