Senior Credit Risk Analyst

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About this role

Senior Credit Risk Analyst Barcelona, Barcelona, Spain Your Team You'll join Credit Risk Analytics, a high-impact squad at the core of SumUp's Lending strategy - a business line on a very ambitious growth track. This team sits at the intersection of risk, data, product, and engineering, owning credit performance end-to-end: from origination and pricing to portfolio monitoring and experimentation. You'll work closely with Credit Risk Managers, Data Scientists, ML Engineers, and Credit Risk Engineering to ensure lending remains responsible, scalable, and profitable as we expand into new markets. 📍 Get a feel for life at our Barcelona office 👉 Watch here What You'll Do - Own credit origination end-to-end, from planning and execution to monitoring performance against targets - Track and analyse key credit risk KPIs, identifying trends, anomalies, and areas for investigation - Support pricing, caps, and approval strategies by providing data-driven insights and recommendations - Partner closely with Engineering, Data Science, and Product to improve automation and scalability of credit processes - Contribute to portfolio monitoring, cohort analysis, and early risk detection across markets and products - Help build and maintain clear documentation, policies, and reporting to support governance and audits You'll Be Great for This Role If - You have strong experience in data analytics or similar, including 2+ years in a credit risk, lending analytics, or lending-related role - You're confident using SQL to query large datasets independently and turn results into actionable insights. Experience with Python is a plus - You understand core credit risk

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