Credit Manager - Spain
Core
Own underwriting strategy, portfolio monitoring, and responsible-lending outcomes for Bondora's lending business in the Spanish market.
Role type
Senior Credit Manager (Consumer Lending)
Builds
Lending portfolio and credit risk framework for Spanish customers
Domain
Consumer Finance / Credit Risk
Deliverable
production ML models
Required skills
Consumer credit risk management, Underwriting strategy, Portfolio monitoring, Data analysis, Regulatory compliance, Decision governance
Preferred skills
Spanish consumer credit experience, Spanish credit bureaus knowledge (ASNEF/Equifax, Experian, CIRCB), Open-banking data, Responsible-lending rules, Recovery and collections dynamics
Technologies
Excel, SQL, Tableau, Python, R, Taktile
Responsibilities
Diagnose market performance and identify fraud patterns, Build and monitor credit performance dashboards, Evaluate loan profitability using cash-flow models, Implement credit strategy changes in decision systems, Support model development and challenge model outputs, Design and optimize controlled experiments
Seniority
Senior, hands-on IC