Credit Risk Analyst

• Jun 2022 - Present

Risk Analyst

• Nov 2021 - Jun 2022

- Support the CRO in reviewing the acquisitions and portfolios trends, assisting in transforming data into recommendations to the business, identifying both risks and opportunities that require action.- Support Analytics in line with business priorities, providing the operation with the capability to resolve problems statistically, using SAS, Tableau and Excel.- Lead multiple risk initiatives and projects, with a strong focus on speed and excellence of delivery, both locally and centrally.- Work closely with the business to ensure analysis is providing insights that are relevant to local market conditions.- Support the development and maintenance of portfolio, policies, scoring, provision/forecasting models and auto decision logic.- Manage relationships with external providers.- Understand and promote OVF's policy on Treating Customers Fairly (TCF) within the organization (underwriting/business) for B2C & B2B.- Ensure ongoing adherence to all relevant compliance regulations that may govern the OVF business and complete all regulatory training.- Implement a fraud framework with the usage of external fraudsters databases.

Underwriting Analyst

• Nov 2020 - Oct 2021

- Processed credit applications and assessed corporate and individual financial statements for acceptability.- Participated in a multinational project to introduce and implement the future of Opel banking in Spain.- Defined operational processes and controls preparing functional definitions and requirements.- Developed and prepared reports informing management of operational activities. - Detected and resolve operational incidents within the risk processes.- Provided training and developed staff through cross training.- Resolved exceptions and problems of an unusual nature, referring more complex problems to manager as necessary. - Analyzed transactions to identify any potentially fraudulent activity through fraud detection mechanisms.

Junior Credit Analyst

• Sep 2020 - Dec 2020

- Analyzed credit applications and verify credit data consistency.- Managed credit application flow ensuring accurate and timely processing of applications according to service level agreements.- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.- Collected and organized all loan documents for underwriting. - Analyzed credit applications and verify credit data consistency.- Managed credit application flow ensuring accurate and timely processing of applications according to service level agreements.- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.- Collected and organized all loan documents for underwriting.

Credit Risk Analyst

• Jun 2018 - May 2020