The posting
We are Qualco Group, a leading fintech organisation with over 25 years of experience delivering innovative technology solutions to banks and financial institutions. Serving clients in over 30 countries, we leverage advanced technologies, such as AI and analytics, to develop proprietary software and platforms that accelerate digital transformation and generate lasting value for businesses, society, and the broader economy.
We are seeking a senior, hands-on Risk professional to design, build, and continuously improve credit risk strategies in a data-first, embedded lending environment. This role combines advanced analytics, regulatory awareness, and practical execution across the full credit lifecycle.
Key Responsibilities:
- Develop and own credit risk models, including scorecards, decision trees, and machine learning classifiers (e.g. PD, LGD, EAD estimation aligned with CRR/CRD expectations where applicable);
- Build and maintain time-series models for portfolio monitoring, early warning signals, and stress testing (EBA Guidelines on stress testing & IRB where relevant);
- Translate models into production-ready decisioning logic (rules, cut-offs, segmentation) within loan origination and servicing systems;
- Design and refine underwriting policies, ensuring alignment with EBA Guidelines on Loan Origination & Monitoring and consumer credit regulations;
- Conduct portfolio analytics, backtesting, and model performance monitoring (discrimination, calibration, stability, fairness considerations);
- Support regulatory compliance (model governance, documentation, audit trails, explainability, GDPR considerations in automated decision-making);
- Collaborate with product, engineering, and data teams to embed risk logic into customer journeys across online and merchant channels;
- Operate in a hands-on capacity, directly executing analyses, model builds, and implementations in a lean team environment;
- Ensure that all activities and duties are carried out in full compliance with regulatory requirements and supporting the continued implementation of the Group Anti-Bribery and Corruption Policy.
Requirements
Required Experience & Skills:
- 7+ years in credit risk analytics, modeling, or quantitative risk within banking, fintech, or consumer finance;
- Strong experience with both:
- Deterministic / rule-based decision frameworks (scorecards, policy rules);
- Machine learning methods for classification and time-series forecasting;
- Deep understanding of loan mechanics (amortization, pricing, delinquency, recoveries) and unsecured lending products;
- Proven experience with risk systems (LOS, decision engines, data pipelines) and translating models into production;
- Strong data skills (SQL, Python/R; experience with large datasets and feature engineering);
- Ability to operate independently and deliver end-to-end (from data extraction to model deployment).
Desirable Profile:
- Highly hands-on; comfortable executing detailed analytical work despite seniority;
- Structured thinker with strong business judgment and risk awareness;
- Able to balance model sophistication with explainability and regulatory expectations;
- Solid knowledge of EU regulatory frameworks, including:
- EBA Guidelines on Loan Origination & Monitoring;
- Model risk management expectations (ECB/TRIM principles where relevant);
- IFRS 9 impairment concepts;
- GDPR implications for automated decisioning;
- Thrives in small, agile teams with evolving processes.
Nice to Have:
- Experience in embedded finance / BNPL / merchant-integrated lending;
- Exposure to real-time decisioning systems;
- Familiarity with alternative data and thin-file underwriting.
Benefits
Your Life @ Qualco Group
As a #Qmember, you'll embody our values every day, fostering a culture of teamwork & integrity, passion for results, quality & excellence, client focus, and agility & innovation. Within a truly human-centred environment built on mutual respect and trust, your dedication to our shared vision will not only be recognized but also celebrated, offering boundless opportunities for your personal and professional growth.
Find out more about #LifeatQualcoGroup 👉🏼 qualco.group/life_at_qualco_group
Join the #Qteam and enjoy:
💸 Competitive compensation, Meal vouchers, and annual bonus programs.
💻 Cutting-edge IT equipment, mobile phone, and data plan.
🏢 Modern facilities, free coffee, beverages, indoor parking, and in-house restaurant.
👨 Private health insurance, occupational doctor, workplace counselor and nutritionist.
🤸 Onsite gym, wellness facilities, and ping pong room.
💡 Career and talent development tools.
🎓 Mentoring, coaching, personalized annual learning, and development plan.
🌱 Employee referral bonus, regular wellbeing, ESG, and volunteering activities.
At QUALCO Group, we value diversity and inclusivity. Your race, gender identity and expression, age ethnicity or disability make no difference in Qualco. We want to attract, develop, promote, and retain the best people based only on their ability and behavior.
Application Note: All CVs and application materials should be submitted in English.
Disclaimer: QUALCO Group collects and processes personal data in accordance with the EU General Data Protection Regulation (GDPR). We are bound to use the information provided within your job application for recruitment purposes only and not to share these with any third parties. For more details on the processing of your personal data during the Recruitment procedure, please be informed in the Recruitment Notice - QUALCO Group, before the submission of your application.
