Risk Analyst

Description

Position Summary: We are seeking an analytical-minded Risk Analyst to manage the end-to-end credit and operational risk lifecycle, directly contributing to the company’s strategy. Key Responsibilities: 1. Manage the end-to-end credit and operational risk lifecycle 2. Evaluate factoring, confirming, and mortgage loan transactions 3. Participate in the continuous improvement of risk management 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 compliance with 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 guarantees—to ensure compliance with risk coverage criteria. * Prepare risk reports by transaction type (short-, medium-, and long-term). * Coordinate with Legal, Operations, and Commercial teams to properly track 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 entities, or follow-up operations. * 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 regulatory requirements (SBS, SMV) and internal risk policies. * Participate in defining and continuously improving risk management methodology, credit 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 ability to interpret 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 awarded the Best Employer for Youth "Best employer for young professionals in Peru" distinction by FirstJob in its 2023 ranking\. * Experience a startup culture from day one upon joining our team. * Receive a fixed salary. * 100% EPS health insurance coverage. * We maintain a flat organizational structure and an excellent working environment; we always welcome 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.