Quantitative Credit Risk Analyst

1 hour, 6 minutes ago
Full-time
Mid Level
Data Science and Analytics
Alma

Alma

Alma is a payment solution provider that offers flexible payment options for customers, including installment plans and deferred payments. With Alma, businesses can improve their turnover by 20% by providing a seamless payment experience. The company e...

Diversified Financial Services
251-1K
$312M raised

Description

  • Improve and evolve customer credit risk models using machine learning techniques.
  • Identify new data signals and adapt scoring approaches to new products, customer segments, and geographies.
  • Design risk-based credit strategies to optimize margins, acceptance, and the risk-return balance.
  • Build tools and methodologies to monitor credit risk metrics and explain key drivers.
  • Design projection models to anticipate future P&L impacts and support risk decisions.
  • Contribute to quantitative methods for identifying, monitoring, and evaluating merchant risk.
  • Support analysis of liquidity events and counterparty exposure for merchant risk.
  • Collaborate with Product, Data, Finance, and Operations on risk-aware solutions and decision-making.
  • Serve as a go-to expert on credit risk topics and promote a data-driven risk culture across the organization.

Requirements

  • Fluent in English and French.
  • Strong Python skills for data manipulation, modeling, and workflow automation.
  • Strong SQL skills for data analysis and reporting.
  • Solid background in credit risk modelling and financial analysis.
  • Hands-on experience applying machine learning to real-world problems.
  • Ability to explain complex technical topics clearly to non-technical audiences.
  • Ability to work autonomously, take ownership, and drive initiatives independently.
  • Master’s degree in quantitative finance, applied mathematics, statistics, or a related field.
  • Minimum of 3 years of experience in a credit risk or quantitative modeling role.
  • Experience in a fintech, bank, or financial institution is preferred.

Interested in this position?

Apply directly on the company website

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