Integrated Risk Team Lead (Spain, Barcelona)

Крупная Fintech компания, специализируется на data science, кредитном скоринге и небанковском финансировании. Будучи флагманом финансово-технологических преобразований, компания в своем подходе сочетает применение передовых разработок в системе принятия решений с принципами ответственного кредитования.

Мы ищем Integrated Risk Team Lead, в штат крупной FinTech группы, Spain, Barcelona – с релокацией в Испанию Барселона.

Компания оформляет официальное разрешение на работу в Испании, для вас и вашей семьи (за счёт компании)

Leadership role: This role includes 2 directly subordinate specialists

ROLE TITLE Integrated Risk Team lead

DEPARTMENT Risk Department

REPORTS TO Global CRO

LOCATION Barcelona, Spain

ROLE PURPOSE:

- As the Team Lead of the provision calculations stream, you will play a critical role in managing and improving the efficiency of IFRS 9 provisioning processes across the company

- You will be responsible for provision forecasting, budgeting, portfolio risk analysis, and supporting official risk reporting for management needs

- The position is highly collaborative, working closely with finance teams, auditors, and cross-country stakeholders

PRIMARY RESPONSIBILITIES:

- Lead the process of IFRS 9 provision calculations across multiple regions (EU & LatAm)

- Own and oversee provision forecasting and budgeting processes

- Prepare and validate data for external and internal audits

- Coordinate and support the preparation of official risk reports

- Ensure the integrity and consistency of risk metrics (e.g. PD, LGD, transition matrices, COR, RR)

- Collaborate closely with Finance, Data, and Risk teams across regions

- Contribute to automation and optimization of provisioning workflows

- Support model development and monitoring initiatives where applicable

KNOWLEDGE & SKILLS:

- Advanced SQL (required)

- Solid understanding of IFRS 9 for retail loan portfolios

- Strong analytical skills in portfolio and risk analysis

- Experience with official risk reporting standards

- Hands-on experience working with financial statements and audit requirements

- Experience with Tableau or other BI tools (a plus)

PREFERRED QUALIFICATIONS & EXPERIENCE:

- Minimum 4 years of experience in provisioning/risk analytics for retail lending

- Successful track record of passing IFRS audits with global auditors (Big 4 preferred)

- English: Intermediate level or above (working proficiency)

- Knowledge of IFRS reporting requirements (a strong plus)

ROLE SPECIFIC REQUIREMENTS:

- Availability for hybrid work format (Barcelona office)

- Willingness to relocate (relocation support provided)

- Ability to manage stakeholders in a cross-functional, multicultural environment

Условия:

- Стабильная, высокая зарплата + бонусы KPI

- Международный коллектив и работа, связанная с бизнесом в разных странах

- Работа в одной из самых быстрорастущих fintech компаний в мире

- Оформление трудовых отношений в соответствии с ТК

- Гибкий график работы

- ДМС (Медстраховка) - Medical insurance after probation period

- Оплата профильных курсов и конференций

- Компенсация обучения английскому / испанскому языкам и спорт / фитнес

- Корпоративное такси

- Гибридный график

- Офис в центре Барселоны, Испания

- A work schedule that respects the biorhythms of each individual employee

- Adequate management, absence of bureaucracy; a strong and truly friendly team

- Fun corporate life (team building, events and corporate gifts)

- Relocation to Barcelona (Spain)