Credit Manager - Spain
Core
Own underwriting strategy, portfolio monitoring, and responsible-lending outcomes for Bondora's Spanish market, collaborating with Country Manager, Product, Data Science, and Legal teams.
Role type
Senior IC Credit Manager (Consumer Lending)
Builds
Credit risk policies, decision rules, and portfolio performance dashboards for Bondora's Spain lending business.
Domain
Consumer Finance / Credit Risk / Spanish Market
Deliverable
production ML models
Required skills
Consumer credit risk management, underwriting strategy, portfolio monitoring, responsible lending, advanced Excel, SQL, multivariate analysis, cash-flow modeling, lifetime-value modeling, Taktile configuration, A/B testing design, regulatory compliance (Spanish responsible-lending rules), data analysis (Tableau/BI), Python or R
Preferred skills
Spanish consumer credit experience, knowledge of Spanish credit bureaus (ASNEF/Equifax, Experian, CIRBE), open-banking data, Spanish recovery and collections dynamics, model development expertise
Technologies
Taktile, Excel, SQL, Tableau, Python, R
Responsibilities
Develop market understanding and diagnose performance issues using portfolio data and funnel analysis; Monitor and explain credit performance via dashboards and reports; Evaluate profitability using cash-flow and lifetime-value models; Set priorities and maintain a three-month roadmap; Implement credit strategy changes in Taktile; Support model and analytical development; Test and optimize policies via controlled experiments; Maintain control and human accountability for credit decisions and regulatory outcomes.
Seniority
Senior, hands-on IC