Credissimo is a leading European FinTech Group founded in 2007. Our innovative proprietary technology combined with superior customer service enables us to deliver unmatched efficiencies and state-of-the-art consumer finance solutions. We constantly strive to push the technological boundaries to their limits in order to be at the innovation frontier of the FinTech industry.

Key Responsibilities and Technical stack:

• Works in close partnership with financial analysts and CFO. Analyzes how credit risk impacts impairment provisions, financial performance and capital stability. Uses data connected to the Financial Department (vintage, buckets) to calibrate risk models
• Works in close partnership with the Credit Department. Advises the Head of Department on the quality of the incoming flow. Optimizes processes in the “gray area” and provides guidance for training of credit specialists to reduce subjective error.
• Works in close partnership with the Collection Department. Analyzes feedback from collection. If a certain type of customer profile “breaks” in collection, the Risk Manager immediately adjusts the “input” policies.
• Agile credit policy management - Proactively identify trends (e.g., worsening payments in a specific region or sector) and rapidly change parameters in the business system.
• Own reporting architecture - Design and implementation of a modern reporting methodology. Preparation of strategic reports for the Board of Directors and operational dashboards for the Credit Department and FSO.
• Data Integration (SQL) - Since the DWH, scorecards and business system are in separate databases, the candidate must independently extract, merge and analyze data to discover dependencies.
• Optimization of scoring models - Submitting tasks to the Analytics team to refine the scorecards based on the actual behavior of the portfolio.

Professional experience:

• 5-7 years of experience in managing Credit Risk (Consumer Fintech / Fintech) with specific experience in analyzing portfolio with high transaction volume.
• Advanced knowledge of SQL and a prerequisite for working with distributed databases
• Understanding the provisioning mechanisms (ECL/IFRS 9) and unit economics of the credit product.
• Power BI / Excel: For visualizing complex risk metrics in an easy-to-understand way.

What We Offer at Credissimo

• Additional health insurance;
• 25 days of paid annual leave;
• Preferential terms for a Multisport card;
• Childbirth/adoption bonus of up to €2,500 (net);
• Complimentary coffee, tea, soft drinks and fresh fruit in the office;
• Attractive office location in central Sofia.