Risk Analyst analyzing credit and financial risks for Goya, a FinTech company optimizing financial processes. Collaborating closely with various departments to ensure data-driven decisions.
Responsibilities
As a Risk Analyst – Credit & Financial Risk, you analyze and assess credit and default risks of customers, debtors and total exposures.
You work closely with market, Operations and Financial Controlling to ensure that decisions are data-driven, transparent and pragmatic.
Conduct initial and follow-up reviews of customers, debtors and exposures.
Analyze and evaluate credit and financial risks.
Monitor risk positions and derive recommended actions.
Prepare and further develop risk reports, KPIs and presentations.
Contribute to methods and processes in risk controlling.
Close collaboration and interface management with market, Operations and Financial Controlling.
Requirements
Degree in Business Administration, Banking, Finance, Mathematics, Physics or a comparable field (alternatively: very good banking qualification with relevant additional certification, e.g., CFA or FRM)
Experience in assessing credit risks or in risk management at a financial institution
Solid knowledge of regulatory requirements, in particular MaRisk
Confident use of BI tools and SQL
Analytical, structured and solution-oriented working style
Very good German language skills (C1/C2) and good English language skills (C1)
Benefits
Competitive compensation
Hybrid working: Karlsruhe, remote or hybrid
Professional development opportunities in the risk and credit area
Scope to shape analyses, methods and processes
Short decision-making paths and direct collaboration with market & executive board
Financial Accountant managing month - end close and financial reporting for Newcross Healthcare. Working collaboratively to ensure compliance and accuracy across multiple entities.
Senior Consultant implementing modern SAP solutions in financial services at ponturo consulting AG. Collaborating with clients on accounting, controlling, and data management transformations.
Business Analyst ERP specializing in Finance at 4CAD Group. Supporting clients' digital transformation through Sage X3 ERP implementation and team collaboration.
Trainer overseeing training and development for Uline’s Finance team. Conducting onboarding, providing mentoring, and facilitating development training sessions.
Finance Leadership Trainee in Uline’s three - year training program for finance professionals. Gaining hands - on experience and developing key skills in a renowned distribution company.
Financial Accountant managing complex reporting and financial tasks for Everseen. Collaborating cross - functionally and ensuring compliance in the financial operations of a global retail tech leader.
Financial Control Analyst ensuring financial accuracy and high - quality reporting at Manulife. Collaborating with teams on regulatory reporting and accounting processes.
Head of FP&A and Management Reporting Systems Strategy providing leadership on financial management reporting systems at Truist. Defining strategy for the evolution of forecasting and planning capabilities.
Consultant in financial services working on digital transformation projects with financial institutions. Engaging in high - impact projects and working collaboratively in a global team setting.