Senior Credit Risk Analyst

Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we’ve grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You’ll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry.

Senior Credit Risk Analyst

Bucharest - Office Based

Your Role

We are building out our Credit Risk function in Romania and you will be the first analyst dedicated to one of our most important markets in the CEE region. We also offer a real opportunity to be involved in other markets, where Ebury is present, so your role allows to gain an international experience in one of the fastest growing FinTech companies.

Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

Ultimately you will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.

The ideal candidate will complement Ebury's analytical and statistical capabilities with their own country-specific hands-on knowledge of defaults, credit underwriting, and collections.

The key is to add qualitative insight to credit decisions including granting lines, monitoring them, and pursuing collections.

Your Specific Responsibilities

• Support, and report to, the Regional Head of Credit Risk;
• Undertake ad hoc requests from Credit Risk Management Team;
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
• Present and defend your analysis personally at credit committee meetings to senior management;
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
• Manage an existing portfolio of clients, monitoring their credit standing and risk reward for Ebury;
• Assist with the collections process for overdue payments and communicate decisions with relevant parties;
• Proactively manage your own pipeline of work, along with taking responsibility to ensure the wider team’s SLAs are met;
• Liaising with analysts and managers across other geographies to add insight or assist where necessary;
• Share your thoughts to improve our processes and upskill other analysts.

Your Background

We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

• Fluent in Romanian and English (essential) - another European language / languages will be an advantage
• Analytical mind and strong problem-solving skills;
• A background in credit underwriting gained in the financial institution, preferably in the SME / Corporate space (min 3 years);
• Exposure to the collections process for any overdue payments or clients in arrears;
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
• Experience of dealing directly with clients, one on one, and resolving issues;
• A strong understanding of accountancy principles;
• An understanding of FX markets and associated vanilla products;
• Experience of training others and managing a pipeline;
• An ability to work in Excel in a professional setting;
• Willing to work from office (min. 4 days) in a highly demanding, result-oriented, and truly global team environment;

About Us

Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.

Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 29 markets worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Vancouver to Auckland, we enjoy sharing team experiences and celebrating success across the Ebury family.

Hard work pays off: in 2019, Ebury received a £350 million investment from