Credit Control and Analytics Manager

About seQura

seQura provides innovative, flexible and easy-to-use payment technologies that help merchants acquire, convert and retain more customers.

We make a difference in sales performance by tailoring our solutions to different sectors, to address their unique pain points and deliver superior results in Retail, Education (EduQa), Optics (OptiQa), Repairs and Travel.
We also empower smart shopping to consumers who seek more value, convenience, and flexibility in their shopping, with new payment experiences that allow them to save, access interest-free credit, or pay in small, comfortable instalments of up to 24 months.

Born in Barcelona, seQura is a privately-owned fintech, currently expanding throughout southern Europe and Latin America, growing above 50% CAGR and approaching 100 Million in Annual Recurring Revenue.
Over 5000 businesses, almost 2 million shoppers, and almost 400 employees continue to rate us as one of the most loved and trusted fintechs out there, with an NPS of 87%, a Trustpilot rating of 4.7/5, and a Glassdoor rating of 4.7/5.

About the role 🤓

As a Credit Control and Analytics Manager at seQura, you will lead a small team that plays a central role in analyzing and understanding drivers of credit risk. The team leverages data-driven insights to enhance credit decision-making and portfolio management. It also performs credit loss calculations, forecasting and follow up of the same. This role requires a mix of analytical expertise, technical skills, and business acumen to drive data-backed solutions that balance risk and growth. This is a unique opportunity for someone who is both a hands-on analytical expert and a thoughtful, collaborative leader.

Requirements

What challenges you'll be solving 🚀

Credit Risk Analysis

• Analyze loan portfolio performance to identify trends, risks, and opportunities for improvement.

• Monitor key credit metrics and develop strategies to mitigate risk while supporting growth.

• Conduct deep-dive analysis on credit performance, delinquencies, and loss rates.

Strategy & Optimization

• Work closely with Product and AI & Data Science to refine credit policies and lending strategies.

• Optimize credit approval processes to balance risk appetite with business growth objectives.

• Design and test new credit products, pricing strategies, and risk mitigation measures.

Regulatory Compliance & Reporting

• Ensure compliance with regulatory requirements related to credit risk and lending.

• Prepare reports and insights for senior management, regulatory bodies, and audit teams.

Team Leadership & Development

• Lead, mentor, and grow a team of credit analysts.

• Set clear goals, provide technical guidance, and foster a culture of continuous learning and performance.

• Collaborate cross-functionally with data science, finance, and product teams.

What we offer 😎

We have a strong and sustainable foundation, where we provide a secure and reliable workplace. You have the freedom and trust to make the best contribution possible.

One of our most valued strengths by our employees is our fellowship and supportive culture, which fosters a sense of belonging by working closely with our values. With us, you will have challenging projects to work on and push your skills and knowledge.

In addition, we are very proud of the unique office we have, which offers a comfortable and inspiring environment to work in with everything you need.

• 23 vacation days + 2 days of free disposal per year.

• Professional development workshops or seminars.

• Flexible compensation plan for transportation, restaurants, and kindergarten with Cobee.

• Health insurance discounts with Sanitas and Adeslas.

• Urban mobility by using your own bike with Kleta.

• Free access to healthy, organic, and sustainable fruits and snacks.

Moreover, we offer a Wellness Program that embraces a holistic approach by covering 6 areas (occupational, physical, financial, emotional, social, environmental consciousness). Each area will include a variety of activities, and you'll be able to choose from 34 different activities that best meet your needs to configure a plan that best works for you.

What you’ll need 🫱🏼‍🫲🏽

• Experience: 5+ years in credit risk analytics, data science, or financial modeling.

• Leadership: Demonstrated ability to lead, coach, and develop a small team in a fast-paced environment.

• Industry Knowledge: Experience in banking, fintech, consumer/business lending, or financial services preferred.

• Proficiency in SQL, Python, R, SAS, or other analytics tools for data analysis and modeling.

• Familiarity with BI tools (Tableau, Power BI, Looker) for visualization and reporting.

• Education: Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field.

• Soft Skills: Strong problem-solving abilities, business acumen, and the ability to communicate complex findings to non-technical stakeholders.

We kindly ask that you submit your CV in English, as it is the official language of our community.

We promote equal opportunity to all, regardless of age, color, gender identity, medical condition, physical or mental disability, race, religion, sexual orientation, or other characteristics. We have an inclusive environment, and respect is above all.

Do you want to be part of the change? Join us!👇