Risk Analyst

Description

Position Summary: We are seeking an analytical-minded Risk Analyst to manage the end-to-end credit and operational risk lifecycle, develop analytical models, and ensure regulatory compliance. Key Highlights: 1. Manages the end-to-end credit and operational risk lifecycle 2. Evaluates factoring, confirming, and mortgage loan transactions 3. Participates in the continuous improvement of risk methodologies #### **Job Description** We are seeking an analytical-minded Risk Analyst to manage the end-to-end credit and operational risk lifecycle. You will be responsible for evaluating factoring, confirming, and mortgage loan transactions, directly contributing to the company’s strategy through the development of analytical models and adherence to regulatory standards. Your work will ensure the implementation of preventive controls that strengthen our portfolio and support secure business decisions. #### **What You Will Do** * Analyze applications for factoring (with and without recourse), confirming, and mortgage-backed loans, assessing the principal debtor’s or supplier’s repayment capacity, solvency, and risk profile. * Review, evaluate, and validate collateral—including mortgages and surety guarantees—ensuring compliance with risk coverage criteria. * Prepare risk reports by transaction type (short-, medium-, and long-term). * Coordinate with Legal, Operations, and Commercial teams to ensure proper tracking of contracts, collateral, and maturities, thereby strengthening internal controls. * Participate in credit committees, presenting cases supported by technical and regulatory rationale. * Conduct on-site evaluations and supervision visits to credit applicants, collection targets, or follow-up clients. * Monitor key risk indicators and track customer and key economic sector behavior to anticipate systemic or individual risks, and propose early warnings of portfolio deterioration. * Ensure compliance with applicable regulatory requirements (SBS, SMV) and internal risk policies. * Participate in defining and continuously improving risk management methodologies, scoring models, policies, and procedures. #### **Skills** Requirements: * Bachelor’s degree in Business Administration, Economics, Finance, Accounting, Industrial Engineering, or related fields. * Minimum 5 years of experience analyzing credit risk or structuring medium- and long-term loans. * Product experience: Factoring, Confirming, and Commercial Loans secured by mortgages. Technical knowledge and skills: * Credit risk assessment, financial statement analysis, liquidity and solvency ratios. * Basic knowledge of current SBS regulations and financial transaction rules, as well as interpretation of Risk Bureau reports. * Familiarity with factoring, confirming, and mortgage operations. * Credit risk modeling and scoring, plus experience handling databases and delinquency indicators. * Intermediate proficiency in office tools (MS Office, Google Workspace) and ability to use digital tools. Soft skills: * Analytical ability and critical thinking for problem solving. * Technical rigor and attention to detail. * Professional ethics and integrity. * Proactivity: Ability to anticipate business needs. * Accountability: Completion of tasks accurately and within established deadlines. * Flexibility: Ability to work under pressure, in multidisciplinary teams, and adapt to constant change. * Effective communication and teamwork for active and appropriate collaboration across departments. #### **Nice to have** * Specialization in Risk Management, Credit Analysis, or Corporate Finance. #### **Why Finsmart?** * Recognized as the only fintech startup with the Best Employer for Youth award "Best employer for young professionals in Peru" by FirstJob in the 2023 ranking\. * Experience a startup culture from day one upon joining our team. * Receive a fixed salary. * 100% covered EPS (health insurance). * We maintain a flat organizational structure and excellent workplace climate; we always treat feedback as an opportunity for growth. * We are a diverse team representing different nationalities and beliefs. We value and respect everyone. #### **Who We Are** We are a Peruvian fintech with over 7 years in the market. Our purpose is to drive the development of local SMEs and the financial growth of our investors.