Universo is a financial institution leader in the issuance of credit cards in Portugal ("Cartão Universo") with more than 1 million customers. It has the goal of disrupting the banking industry in Portugal by innovating in the arena of consumer payments, credit and insurance.Our clients are the stars that set our course and make our work shine.Want to be part of our Universe?We are hiring a Junior Credit Specialist to directly support the business functions in their analytical and reporting roles.You will be responsible for:Analyze and approve proposals related to credit linesAnalyze and validate the documentation supporting the analysis and approval of a credit proposal, ensuring its consistency and complianceProvide support to commercial and operational teams throughout the onboarding process of new clientsAssess Payment Capacity and factors that may impact the client's risk of defaultParticipate in the preparation and development of Risk Committees, particularly concerning the supporting information for these meetingsCreate and update activity reports and indicatorsEnsure that all relevant information is properly updated in the company's internal systemsIf you have:Excellent academic track record in Finance, Management, Economics, Accounting or a related fieldPreferably 1 year of experience in Risk-related positions and/or within the Banking SectorExcellent analytical skillsGood knowledge of MS Office applicationsEnglish proficiencyProactive attitude in managing the risks inherent to daily activitiesStrong attention to detail, organizational skills, and the ability to handle financial data and various documentsIf you are:Proactive and curiousTeam-oriented and a clear communicatorOrganized and goal-orientedReliable and ambitiousWhat we offer:1200 - 1500 € gross salary plus additional relevant benefitsFlextime and a hybrid working model, allowing you to work smarter instead of longerA diverse and inclusive working community, where working together is not only a large part of our day-to-day, but one of the most important essentials of our UniverseWe aim for greatness and boldness. We want to achieve the extraordinary, bringing your full self to what you do.If you believe you can be a part of our Universe, please submit your CV.#J-18808-Ljbffr