European Credit Risk Analyst

About the role

Provident Romania is looking for a European Credit Risk Analyst in Bucharest. The role monitors the end-to-end performance of the portfolio across European markets, identifies risks and opportunities, prepares recurring analyses for credit committees and drives continuous automation.

Key responsibilities

• Design and implement aligned credit risk dashboards with common calculation algorithms for risk indicators across European markets, flagging early warning indicators.
• Prepare the European credit committee analysis pack and detailed credit risk reports for each committee, with risks, trends, mitigation recommendations and support for new credit proposals.
• Analyze and monitor credit risk data from scoring through loan closing, proposing measures to improve risk indicators and portfolio performance.
• Take part in stress tests and scenario analysis to assess the impact of adverse economic conditions and concentration risks.
• Ensure risk appetite and policy comply with regulatory requirements and internal policies.
• Contribute to the development and improvement of credit risk scoring models.
• Work cross-functionally with credit risk analysts from other markets and liaise with credit risk, marketing, IT, finance and other departments.

Required profile

• Higher education, preferably in economics, statistics, mathematics or a related field.
• At least 1 year of experience in credit risk management for retail/consumer financing clients.
• Experience analyzing credit risk indicators and new proposals, and knowledge of credit risk management for retail portfolios.
• Good analytical, communication and planning skills, and advanced spoken and written English.

Required skills

• Strong proficiency in Excel and credit risk tools.
• Statistical software such as SQL, R or Python is a plus.

What we offer

• Annual bonus depending on business and individual performance.
• Medical subscription with a partner (Regina Maria or Medicover).
• Meal vouchers of 30 lei each.
• Hybrid working, 21 days of vacation plus 4 wellbeing days, and extra days off for seniority and on your birthday.
• Induction, mentoring, wellbeing and training programs, including Provident Academy courses.
• Discounts at selected partners and a central-city office near Parcul Tineretului.