SME Credit Risk Analyst

Description

Summary: The SME Credit Risk Analyst evaluates the creditworthiness of small and medium-sized enterprises, performing financial analysis and making informed credit decisions to manage risk and support digital lending. Highlights: 1. Opportunity to shape the future of European banking 2. Work in an innovative, digital bank applying state-of-the-art approaches 3. Focus on collaboration, engagement, and achieving ambitious goals Portugal \- Lisbon \- Branch Full\-time Permanent employee **What we do?** --------------- Aion belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan\-European innovation hub. We are creating ultra\-fast and transparent banking with an “all\-in\-one” application and new opportunities for all Clients \- individual, business, and corporate. Our greatest value is our People \- a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals. We are looking for a **SME Credit Risk Analyst**to join us at this pivotal moment, share our vision, and help shape the future of European banking.**What you will be doing?** --------------------------- The **SME Credit Risk Analyst** is responsible for evaluating the creditworthiness of small and medium\-sized enterprises. You will perform deep financial analysis, assess business viability, and make informed credit decisions or recommendations. Your role is to manage the risk\-reward balance, ensuring a high\-quality loan portfolio while supporting the growth of our digital lending platform through expert human\-in\-the\-loop intervention. **Key Responsibilities:*** **Credit Underwriting \& Decisioning:** + Perform comprehensive financial analysis of SMEs, including P\&L, Balance Sheet, and Cash Flow assessment. + Evaluate "Complex Cases" that exceed automated scoring thresholds, providing expert judgment on credit applications. + Analyze CRC (Central de Responsabilidades de Crédito) reports to assess current indebtedness and repayment behavior. * **Financial Statement Analysis:** + Interpret Portuguese accounting documents (IES and Balancetes) with focus on EBITDA, Debt\-to\-Equity, and Liquidity ratios. + Use Informa D\&B or other bureau data to identify Ultimate Beneficial Owners (UBO) and potential inter\-company risks (group exposure). * **Risk Mitigation \& Structure:** + Propose appropriate credit structures, including collateral requirements, personal guarantees, or specific covenants to mitigate identified risks. + Review and validate the "Affordability" and DSTI for SME owners and their businesses. * **Portfolio Monitoring:** + Monitor the performance of the SME portfolio, identifying early signs of deterioration in specific sectors or individual clients. * **Feedback Loop for Automation:** + Provide regular feedback to the Process Analysts to refine automated scoring models based on observed manual override patterns. **Skills you should have** -------------------------- * **Experience:** \+5 years of experience in SME credit underwriting (preferably within banking or financial services), with exposure to unsecured lending products. * **Strong analytical skills:** Ability to assess financial data, credit bureau reports, and other risk indicators to evaluate creditworthiness. * **Attention to detail:** Strong ability to identify risk factors, inconsistencies, and potential fraud indicators. * **Decision\-making capability:** Confidence and accountability in making credit decisions or providing clear recommendations. * **Understanding of credit risk:** Solid knowledge of credit risk management principles and unsecured retail lending products. * **Analytical \& Critical Thinking:** Ability to "look beyond the numbers" to understand the business model and market position of the borrower. * **Communication skills:** Clear and structured verbal and written communication, especially when documenting credit decisions. * **Time management:** Ability to work efficiently in a high\-volume, deadline\-driven environment. * **Team player:** Strong collaboration skills and willingness to work across functions and geographies. * **Regulatory knowledge:** Understanding of retail lending regulations and compliance standards. * **Language skills:** Must be able to communicate well in. * **Education:** Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, Econometrics, or a related field (nice to have). **What we offer** ----------------- You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience. Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs Health \& Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare. Meal Support: We help fuel your day with meal vouchers.**Our process** --------------- We keep our recruiting process simple. **Step 1:** Talk with one of our Recruiters about your to date experiences and ambitions **Step 2:** Meet with your future Team Manager to deep dive on the role specifics and our work environment **Step 3:** Meet with Head of Country**Our note to you** ------------------- Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply \- even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table. Please note that we may close a job posting early if we receive a large number of exceptional applications. Good luck! **About us** ------------