Credit & Collection Senior Analyst

Your role has already prepared you for a place in our team.

For 20 years, we’ve been living life as it is and seeing every day that each of us plays many important roles. At home, among friends, or in the community you are part of, you are someone others rely on. In all these roles, you learn how to make informed decisions, analyze information, solve problems, and build trust.

We believe these skills matter at work too. That’s why we value not only professional experience, but also the strengths and perspective you bring from everyday life.

We know you already have an important role. And we believe there’s a place for you in our team as well.

About the role

As a Credit Risk Business Partner, you will help shape and optimize our lending strategies, ensuring responsible growth, strong portfolio performance, and fair customer outcomes while balancing business objectives and credit risk.

What you will do

• Develop and implement credit strategies for lending products to support sustainable portfolio growth and risk management objectives.

• Monitor portfolio performance and customer acquisition trends to identify opportunities, risks, and areas for improvement.

• Design and enhance customer segmentation approaches and contribute to the development of new lending products.

• Ensure compliance with credit policies, regulatory requirements, and best practice guidelines to maintain responsible lending standards.

• Support the implementation of new risk strategies, scorecards, models, and decision-making frameworks to improve credit quality and operational effectiveness.

• Maintain and continuously improve application evaluation systems used across lending operations.

• Translate analytical insights into actionable recommendations that support commercial and risk-related decisions.

• Collaborate with cross-functional teams to ensure credit strategies deliver fair and positive customer outcomes.

What matters in this role

• Experience in credit risk management, credit strategy, data analytics, or portfolio management.

• Solid understanding of lending products, credit policy frameworks, and risk assessment principles.

• Strong analytical and problem-solving skills, with the ability to identify trends and anomalies in data.

• Experience working with scorecards, predictive models, segmentation techniques, or decisioning systems.

• Ability to translate technical and analytical concepts into clear business recommendations.

• Excellent stakeholder management and communication skills.

• University degree in Economics, Mathematics, Statistics, Finance, Data Science, or a related field.

• Experience in consumer lending or financial services would be an advantage.

Benefits we offer

• We know that before any professional role, you already have an important one at home.

• That’s why we want you to have time for what matters most to you:

• 21 days of annual leave, plus 4 additional wellbeing days each year and a day off for your birthday

• An extra day off for single parents

• Caring for others starts with caring for yourself:

• Medical subscription with one of our partner clinics

• 10 therapy sessions per year

• Financial support during important life events

• Discounts from our partners

A flexible way of working

• We want the way we work to give you flexibility. Therefore, for local roles:

• Working hours are 9:00 AM to 5:00 PM, with flexibility to start earlier or later depending on team arrangements.

• Hybrid working model, combining home working with office collaboration.

• Short Friday: every third Friday of the month, the weekend starts earlier.

Want to learn more about us and the people behind the Provident team? Discover the stories of our colleagues here:

https://providentromania.teamtailor.com/pages/rolul-tau-te-a-pregatit-deja-pentru-un-loc-la-noi-in-echipa.