Credit Risk Analyst

at  Ebury

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.

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