Credit Risk Analyst

**ABOUT US**

Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.

At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts of 55 different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.

Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.

**Our offices**

We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.

**Our values**:
***

Raise the bar - we begin each day by striving to do better.

Deliver results - we want to focus on quality delivery - here and now.

Together, not alone - we support and treat each other with respect, acting always as one team.

Act with integrity - we are true to our word.

Put merchants first - we solve merchants’ problems and prioritise our customer’s interests.

Embrace accountability - we don't sacrifice long-term value over short-term results.

**ABOUT THE TEAM**

The Credit Risk team is a small but very important part of the Unzer Group which contributes to the success of the company.

Based in Vienna we are focusing on the optimization of the merchant acceptance rate and the incidental bad debt. Rolling out new products for Unzer Luxembourg, we are looking for a Credit Risk based in Luxembourg and supporting the local entity from a credit risk perspective.

By deeply supporting each other we ensure that no one is left behind and the delivery of excellent results.

**What your work will look like**:

- Implement and roll out relevant risk related policies and procedures for the local entity.
- Use your analytical mindset to identify, track, and monitor key trends, insights, and high-risk segments that contribute to losses.
- Undertake regular reviews of Credit rules and policies to ensure lending remains within risk appetite, whilst also identifying opportunities to increase lending volumes.
- Liaise with external partners such as Credit Agencies to evaluate new opportunities to enhance Credit Risk management.
- Create and run key performance reports to ensure senior management remain updated on key risk measures.
- Work closely with internal stakeholders to work in a collaborative manner on key Group-wide projects.

**What you need to be successful in this role**:

- Proficient MS-Office skills.
- 1+ years of working knowledge of SQL or similar coding language.
- Experience creating Tableau reports.
- Excellent organisational, analytical, and critical thinking skills.
- Exceptional problem-solving skills.
- You do not hesitate to proactively approach open tasks.
- You are a team player that can also function while working on their own.
- Fluent in English, German is a plus.

**Nice to have**:

- Any experience in other coding languages such as “R Studio”.
- Background/experiences in the Payment/Banking industry.

**What’s next?**:

- The interview process includes: a 30min intro call with a TA Partner, 60-90min conversation with the team and call with your potential manager (up to 45min). Please note the process might alter depending on our team’s availability.

**WHAT'S IN THERE FOR YOU**:
\uD83C\uDFE1 Work from home up to 60% of the time. We want you to keep your work-life balance.

\uD83D\uDEB2 Mobility support, whether you choose bike rental or leasing or a Deutschlandticket - we've got you covered.

\uD83E\uDEF4 Explore counselling assistance, be it for professional or personal matters, through our associated platform.

\uD83D\uDCB0 Pension scheme, we want to give back and help you secure your future.

\uD83C\uDFD6️ 15 days a year of workation from your desired destination within the EU.

\uD83D\uDD5F Flexible working hours - you get to choose the schedule that works best for you

\uD83D\uDCD7 Learning budget of 1000 euros per year - you can develop your passions with us.

\uD83C\uDF89 Enjoy some fun moments with your coworkers - we throw a company party once a year and host several team events
- #LI-HYBRID_