Credit Risk Management & Performance Analyst
At a glance
Mid-level Risk & Financial Compliance role at Avarda Group. Gdańsk · full-time.
Pay not stated Risk & Financial Compliance salary
financeroles summary, based on the employer's posting.
What you'll do
- Track portfolio health through payment patterns, early arrears, roll rates, vintages, customer groups and profitability
- Spot changing risks and opportunities, then recommend practical actions to business owners and leaders
- Assess pre-collection tactics, including customer targeting, contact methods, treatments, vendors and recovery rates
- Build SQL analyses and recurring reports, while keeping datasets, definitions and documentation reliable
- Support portfolio transactions with segmentation, data preparation, cash-flow and pricing analysis, and post-sale tracking
What you bring
- Strong SQL ability and experience handling large, complex datasets
- A relevant degree in finance, economics, statistics or another quantitative field
- Background in credit risk, portfolio analysis, consumer finance, collections or another data-focused financial setting
- Professional English, with the ability to explain analysis to technical and business audiences
Who this fits
This suits a hands-on analyst who connects data findings to commercial decisions and can work independently with close attention to data quality. You'll work across markets with colleagues in risk, collections, finance, commercial and data teams, as well as external partners. The role is based in Gdańsk, Poland.
From the employer
We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection activities, and provide analytical support for portfolio sales and transactions across our markets.
You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it happened and what we should do next.
Key ResponsibilitiesAnalyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitability
Identify emerging risks and opportunities and translate findings into concrete business recommendations
Measure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor performance and cure rates
Design and evaluate tests to determine the incremental impact of pre-collection initiatives
Develop robust SQL analyses, datasets and recurring performance reporting
Support portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoring
Ensure strong data quality, consistent definitions and clear documentation
Present findings in a concise and commercially relevant way to business stakeholders, committees and management
Collaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partners
Strong SQL skills and experience working with large and complex datasets
A relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field
Experience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environment
Strong analytical and problem-solving skills, combined with commercial judgement
Ability to turn complex analyses into clear conclusions and practical recommendations
A structured and independent working style, with strong attention to data quality and detail
Strong communication skills and confidence working with both technical and business stakeholders
Professional proficiency in English
Experience with Power BI, advanced Excel, pre-collection, portfolio sales or debt-purchase transactions is a plus
We Offer
You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage portfolio performance, prevent future credit losses and execute portfolio transactions.
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