Übersicht

Senior Risk Analyst (m/f)

CrossLend is a cutting-edge Fintech Start-Up: We are reshaping the European capital market landscape by offering an innovative setup that allows Originators and Investors to exchange loans / risks via a capital market structure. We are bridging Europe’s credit divide to create fresh opportunities for originators and investors on both sides of the coin in order to give a positive impulse towards increasing investments and growth and to a real European finance market.

The CrossLend Risk Department is looking for a

Senior Analyst / Managerial level professional with significant experience in consumer and SME lending products, including risk scorecard model development. Main responsibilities focus on risk analytics for monitoring and credit decisioning, including credit scoring model development – supporting various consumer and SME lending portfolios.
Job Description

  • Design and implement a risk score monitoring and risk rating facility for consumer and SME lending products
  • Demonstrate proficiency in scorecard development and deliver segmentations, as well as other advanced analytical tools for consumer and SME credit risk decisions and other areas of the business
  • Perform analysis of key quantitative and qualitative factors influencing credit quality of borrowers and SMEs
  • Establish score validation and strategy
  • Establish thought leadership and documentation on future analytical strategies and procedures
  • Train and mentor other employees in experimental design and analytical concepts and processes

Requirements

  • 7+ years’ experience in quantitative analytics & statistical modelling in the field of consumer or/and SME credit risk – specifically credit decision models
  • Must have Master’s or Advanced Degree in Statistics, Applied Mathematics, Operations Research, Econometrics, Engineering or other quantitative discipline. PhD strongly preferred
  • Professional background in capital markets and/or credit analysis and well developed financial statement analysis skills
  • Experience with multiple consumer and SME lending product portfolios
  • Experience with credit analyses in the context of securitization transactions or other transactions involving sales of loan portfolios
  • Developed understanding of the securitization market, multiple asset classes and types of structures
  • Experience in interpreting complex legal documents such as bank agreements and bond indentures
  • Diligence, with strong quantitative and investigative skills
  • Ambition to deepen their exposure to, and understanding of, the debt capital markets
  • Ability to develop strong working relationships and communicate clearly
  • Candidates will be expected to show good judgment of risks and a solid understanding of financial products and risk management concepts such as VaR, stress testing, and scenario analysis
  • A general understanding of regulatory capital frameworks, such as Basel 3, is a plus
  • Desire to join high impact, entrepreneurial team

 Benefits: 

  • Work in a team with more than 50 people driven by passion from all over the world
  • Have a direct impact within our organisation each day
  • Encouragement of personal and professional development inside the company
  • Regular update meetings on the company’s achievements & challenges
  • Passionate kicker matches with our team
  • The panoramic view over Tiergarten
  • Fresh fruits every day, soft drinks and coffee at your disposal at all times
  • Friday Drinks every week and a big get together with food and beer each month

Would you like to be part of our team? We are looking forward to receiving your application! Should you have any questions about this position, please do not hesitate to get in touch.

Apply now

Über CrossLend GmbH

About CrossLend: 

At CrossLend, we’re proud to be trailblazers in the bold new world of digital credit mediation and financing, with our pioneering cross-border marketplace lending platform.

It’s our vision to resolve the supply and demand dilemma of traditional lending in the European market by connecting borrowers from high-interest rate countries with investors from low-interest rate countries, through our unique cross-border marketplace lending platform. We’re bridging Europe’s credit divide to create fresh opportunities for people on both sides of the coin.