PuntoUP Professional Recruitment is searching for a Credit Risk Analyst for a non-banking financial company that is part of an international group specialised in consumer lending. The role sits in the Credit Risk team in Bucharest and focuses on lending rules, portfolio monitoring and reporting, working closely with colleagues across Europe. If you enjoy working with data and standing behind your conclusions in front of management, we’d like to hear from you.

Location: Bucharest – hybrid (2–3 days per week in the office)

Main Purpose of the Job: The role defines the lending rules within the limits set by the Regulator and the company’s risk appetite, implements the credit strategy and monitors its impact on the loan portfolio, working with both local and European teams.

Job Profile:

• Develop and implement the credit strategy for lending products: risk policies and rules, acceptance processes, scorecards and credit management rules.
• Monitor portfolio performance and risk indicators (approval, conversion, delinquency, recovery) and proactively flag deviations.
• Own the monthly credit risk reporting to management.
• Monitor exceptions to the credit policy and make sure each one is investigated and explained together with the Sales team.
• Ensure compliance with internal policies, procedures and responsible lending principles (Treating Customers Fairly – TCF).
• Propose new approaches to customer segmentation and contribute to product development that improves business performance.
• Manage the testing and implementation of new processes and use, maintain and improve the application evaluation systems.
• Work with Operations, Sales, Customer Care, Marketing, IT and Product, as well as the European Credit and Sales teams, providing analytical support where needed.

Candidate Profile:

• University degree in economics, finance or statistics.
• Experience in lending, credit risk analysis or portfolio monitoring.
• Advanced Excel and SQL; experience with SAS or SPSS is an advantage.
• Experience with scorecards, provisioning for overdue loans, or lending and collection applications is an advantage.
• Knowledge of retail lending products (credit cards, personal loans) and the applicable legal framework.
• Analytical mindset, able to spot anomalies in data on your own and anticipate issues.
• Able to explain technical data and numbers in plain language and present results to management.
• Willing to stand behind your point of view, while staying open when the data says otherwise.
• Business-level English, written and spoken.

Benefits:

• Annual bonus based on individual and company performance.
• Medical subscription with one of the company’s medical partners.
• Meal vouchers of 30 lei.
• Hybrid work, plus one month per year of work from anywhere.
• 21 days of annual leave plus 4 wellbeing days, with extra days off based on seniority.
• A day off on your birthday and 2 days off per year with no justification needed.
• Therapy sessions included and discounts at various partners.
• 3-month induction programme with a buddy, mentoring and training through the company’s internal academy.
• Central Bucharest office and real opportunities for internal promotion.

All candidates who meet the above qualifications are warmly encouraged to submit their applications online. We will reach out exclusively to those who are best suited for the role within a maximum of two weeks.

For other job opportunities, visit our website at www.puntoup.com and upload your CV to our database to remain eligible for both current and future positions. All applications are handled with the utmost confidentiality.

By submitting your personal data via email to any address ending in “www.puntoup.com” or “www.puntoup.ro,” through social media platforms (such as Facebook, LinkedIn), or by applying via an online job portal, you provide explicit consent for PuntoUP and its affiliated companies to process your data. For more information, please refer to our data processing policy. Should you have any concerns regarding your personal data, kindly contact dataprotection@puntoup.com.