col-wideJob Description:
Ebury is a hyper-growth FinTech firm, named in 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.
Junior 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 their 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)
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