Credit Risk Analyst

Overview

We are looking for a credit risk analyst to support and grow our risk team. The main goal is to ensure iBanFirst’s counterparty credit risk exposure is controlled and maintained within the risk appetite and limits.

Responsibilities

• Carrying out financial analysis on clients and liquidity providers and making recommendations that align with best practices and the group’s risk appetite.
• Managing multiple credit requests in a timely and effective fashion, producing well-researched and accurate credit reviews, and working directly with sales teams across business units to address credit requests and issues.
• Taking ownership in developing processes and procedures to limit risk and improve credit risk management efficiency.
• Preparing margin setup proposals for consideration by the client and management.
• Monitoring credit risk exposures, ensuring that the credit risk exposure of a client is within the risk limits.
• Monitoring and reporting a client’s initial margin and variation margin position.
• Monitoring and reporting the exposure concentration of the group’s credit portfolio.
• Monitoring the progress of a margin call and changing market conditions that might affect the credit quality of the group’s credit risk exposure, providing timely alerts to management for appropriate actions.
• Creating and implementing rules and ideas to raise the business\'s risk management standard and the sales offices’ risk awareness.
• Reporting and communication : preparing credit risk MI reports for senior management and relevant stakeholders, communicating effectively with various departments to convey risk-related insights and recommendations, and coordinating and participating in the Credit Risk Committee and following up on all action points.

Qualifications

What we offer

Who we are

iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations : currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise , offering the best of both worlds : the agility of a SaaS solution and the reliability of a trusted partner. By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security.

Key figures

A strong culture built around 4 core values

Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together.

Tenacity : We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA.

Transformation : Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent : every technical, product, or organizational improvement is designed for real impact.

Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability.

Location and status

Madrid, Community of Madrid, Spain

Note : This job listing reflects current opportunities and does not imply a guarantee of employment. Application status and postings may change over time.

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