Credit Risk Analyst

ABOUT THE OPPORTUNITY

Our client is a fast-growing fintech company operating across the BeNeLux region, specializing in digital and responsible financing solutions.

As part of its continued growth, the Risk team is strengthening with a Credit Risk Analyst / Risk Assessment Analyst.

This role stands out through one key element: direct exposure to senior management and the Executive Committee (CODIR), with a tangible impact on strategic business decisions.

YOUR ROLE

You will sit at the core of the risk decision-making framework and actively contribute to business growth.

Your mission is to optimize credit risk policies while ensuring a strong and controlled risk framework.

You will operate at the intersection of data, risk, and business strategy, driving continuous improvement of models, tools, and processes.

EXPOSURE & IMPACT

This is a highly visible role with strong interaction at senior level.

You will have:

• Direct exposure to the Executive Committee (CODIR)
• Regular presentation of risk analyses and strategic recommendations
• A role in key risk vs. business trade-off discussions
• A direct influence on credit policies and growth strategy

Your insights will directly shape business decisions.

KEY RESPONSIBILITIES

1. Credit Risk Policy & Underwriting

• Define and evolve credit granting rules and risk policies
• Adapt risk strategies in line with business objectives
• Contribute to the improvement of scoring models and decision engines

2. Data Analysis & Performance Monitoring

• Analyse credit risk data and identify key trends
• Build and maintain relevant Risk & Business KPIs
• Produce clear reporting and actionable recommendations for management and CODIR

3. Process Optimization

• Identify opportunities to improve underwriting processes
• Challenge existing tools, systems, and decision frameworks
• Contribute to automation and continuous improvement initiatives

4. Control & Fraud Prevention

• Perform regular internal controls and risk reviews
• Detect anomalies and areas for optimization
• Contribute to fraud detection and prevention initiatives

PROFILE REQUIRED

Education & Experience

• Master’s degree in Statistics, Mathematics, Economics, or related field
• Minimum 5 years of experience in Credit Risk / Risk Analysis

Technical skills

• Strong data analysis capabilities
• Advanced Excel skills
• Good knowledge of Business Objects
• Ability to translate data into business-driven recommendations

Soft skills

• Autonomous and proactive mindset
• Strong analytical and synthesis skills
• High level of rigor and attention to detail
• Strong communication skills, comfortable with senior stakeholders

COMPENSATION & BENEFITS

• Competitive gross annual salary aligned with market standards
• Annual performance bonus
• Meal vouchers
• Eco vouchers
• Full reimbursement of public transport costs
• Hospitalisation insurance
• Group insurance
• Flexible hybrid working arrangement
• Ultra-modern offices in Brussels, with access to a fitness room, bicycle parking, and comfortable workspaces.