Senior Credit Risk Analyst
Mintos is an investment platform for investors who want to build long-term wealth with a unique mix of alternative and traditional assets. We’re one of the leading investment platforms in Europe, with over €600 million in assets under administration and over 500 000 registered users, and we’re looking for an experienced Senior Credit Risk Analyst.
What will you do?
We take risk management very seriously at Mintos in order to protect the interests of our investors. As a Senior Credit Risk Analyst, you will become a vital part of our Credit Risk Team, playing a crucial role in monitoring and evaluating lending companies and bond issuers to determine their eligibility for inclusion in the Mintos marketplace. This position offers a unique opportunity to join a dynamic team, allowing you to develop and advance your career as our business continues to grow and evolve.
You will:
You will have the opportunity to be a key contributor in structuring deals, offering recommendations, and participating in both discussions and the decision-making process. Your other responsibilities will include:
Due Diligence: Perform due diligence on loan originators across the world, focusing on loan book performance analysis and financial performance reviews;
Effective Communication: Collaborate across business channels to gather customer due diligence information and support ongoing monitoring.
Drive Decision-Making Processes: Contribute to critical decision-making by presenting detailed assessment results to the Credit Committee, helping to determine the suitability of onboarding specific loan originators.
Complex Client Case Reviews: Take an active role in reviewing complex client cases and conduct continuous monitoring of loan performance and the integration of new loan originators into the Mintos marketplace.
Monitor and Analyze Loan Performance: Actively track and evaluate the performance of loans and loan originators that have joined the Mintos marketplace, ensuring ongoing quality and stability.
Team Supervision: Oversee and boost the productivity of junior team members working on designated cases, ensuring top-notch results.
Risk Escalation: Promptly escalate any signs of deteriorating portfolio quality, financial instability, or other emerging risk factors
Bond Issuer Assessment: Diligently assess the financial stability of various bond issuers to ensure robust investment opportunities
Ad-Hoc Analysis: Perform ad-hoc analyses on diverse data sets to evaluate and minimize risks effectively.
You will have the unique opportunity to explore business practices beyond Latvia in regions like Asia and Central America, which includes making onsite visits to these locations.
Your professional skills and background:
- At least 4 years of experience in financial analysis
- Proficiency in Microsoft Excel, including advanced functions and data analysis;
- Outstanding written and spoken English communication skills.
- Excellent communication and interpersonal skills
- Strong sense of responsibility, self-motivation with the ability to work independently
- Problem-solving and decision-making skills
- Hands-on mentality, willingness to take an active role in the Credit Risk team and company
- Excellent analytical skills and attention to detail;
- Undergraduate degree from an accredited university;
- Previous experience in an alternative lending company, banking or audit is a plus.
What we offer:
🚀 Meaning. Ground-floor opportunity to change the world of investing as we know it.
🩷 Care and attention. You will get health insurance, but more importantly, you will get a team of genuinely great co-workers who will support you in your work and share some more or less funny jokes along the way. We want you to enjoy your job, not stress about it. Learn more about Mintos virtues here.
💶 Stock options. In addition to a competitive salary, you’ll get a stake in Mintos. We believe in what we do, and we hire people who own the work they do. This lets you participate in the value you help to create at Mintos.
🏡 Hybrid work model. Work is a thing you do, not somewhere you go. We believe a combination of working in our office and working from home offers the best of both worlds.
🧠 A personal learning budget. €1000 EUR each year for your professional development, including access to our book library. Choose how to use this yourself - take courses, visit conferences, etc.
🏝 A flexible vacation policy. Do your best work, and take time off when you need it. At Mintos we don’t limit vacation time to the 4 weeks stipulated by law.
☕️ Snacks and drinks. Our kitchen is always packed with tasty snacks and drinks. If you got into the flow and stayed in the office longer than usual - the dinner is on us. And there is also a canteen downstairs in our building, providing healthy lunch options.
😴 Naproom. On days when you came to the office but got sugar-crushed from too many Nutella coated snacks, take a power nap to get your energy back to optimal levels.
🚲 Shower. Cycling or running to work in the morning or going to the gym during lunch? We have showers. And we like sports.
Compensation:
Salary: Up to € 3860 per month gross, and numerous additional benefits.
Mintos is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. If you need assistance with the interview due to a disability, please write to people@mintos.com
By applying to this position, you agree that the personal information you shared will be processed by the Mintos Group for the purpose of recruitment and saved for the period of 2 years, and you agree to receive our future vacancies to your email. Your personal data will not be disclosed to the third parties and/or used for any other purposes without your consent.
To apply, please send your CV or a link to your LinkedIn profile to people@mintos.com and include “Senior Credit RiskAnalyst” in the subject field or apply here. We look forward to hearing from you!
- Department
- Risks
- Remote status
- Hybrid Remote
- Monthly salary
- €2,860 - €3,860
About Mintos
Mintos is an investment platform for investors who want to build long-term wealth with a unique mix of alternative and traditional assets. We’re one of the leading investment platforms in Europe, with over €600 million in assets under administration and over 500 000 registered users.
Senior Credit Risk Analyst
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