data analyst

An international FinTech company operating in the online lending industry provides consumer loans in Spain.

• Manage and improve key portfolio metrics, including DPD, Default Rate, Delinquency, NPL, Approval Rate, Cost of Risk, and Portfolio Profitability;
• Develop and optimize underwriting policies, scoring logic, approval criteria, and credit limits through continuous testing and experimentation;
• Lead the Risk Analytics team, set priorities, monitor performance, and develop team capabilities;
• Perform advanced data analysis using PostgreSQL, including customer segmentation, portfolio analysis, and hypothesis validation;
• Prepare detailed business requirements for the IT team, ensuring accurate implementation of new risk rules and process improvements;
• Build analytical reports and dashboards, providing regular risk reporting to senior management;
• Collaborate with Risk Operations to ensure compliance with risk policies and achievement of portfolio KPIs.

• Proven leadership experience in Risk Management or Risk Analytics;
• Mandatory experience in Microfinance (MFI), Online Lending, Consumer Finance, or Banking;
• Strong SQL skills and practical experience working with relational databases;
• Advanced proficiency in Google Sheets and Microsoft Excel;
• Strong understanding of lending economics and credit portfolio management;
• Experience managing analytical teams and driving KPI performance;
• Ability to design transparent analytical processes and reporting;
• Experience translating business requirements into clear technical specifications for development teams;
• Nice to have: Python for data analysis and predictive modeling, Experience with BI platforms such as Metabase, Tableau, or Power BI, Experience building credit scoring models from scratch, Experience working with European lending markets and related regulatory requirements, Experience developing and optimizing fraud prevention rules.

• Competitive salary with performance-based growth tied to KPI achievement;
• Full ownership of the risk strategy, credit policies, approval rules, and portfolio performance;
• Direct reporting to the Project Director with fast decision-making and minimal bureaucracy;
• Freedom to introduce new analytical tools, processes, and risk methodologies.