Financial Data Analyst

Há 2 dias


Porto, Porto, Portugal Phiture Tempo inteiro

Company Overview: Universo is a financial institution leader in Portugal with over 1 million customers, aiming to disrupt the banking industry through innovative consumer payments, credit, and insurance solutions.

Salary: Competitive gross salary with additional benefits, estimated at €60,000 - €80,000 per year, depending on experience and qualifications.

Job Description: As a Financial Data Analyst - Credit Risk, you will support the Credit Policy & Valuation team by contributing to analytical projects, generating actionable insights, and assisting with strategic decision-making. Key responsibilities include:

  • Analyzing profitability across business lines and channels using database processing and modeling inputs (e.g., NPV models)
  • Calculating optimal credit policies, including rules and client segmentations for different business lines, channels, and campaigns, utilizing optimization modeling (e.g., CP gaming)
  • Presenting proposals for improvements and changes to the Risk Committee
  • Providing insights to support risk department teams in decision-making processes and other data projects
  • Collaborating with the IT team to ensure efficient data extraction, transformation, and loading processes

Required Skills and Qualifications: To succeed in this role, you will need:

  • A strong academic background in Engineering, Mathematics, or other quantitative disciplines
  • Proficiency in SQL is a plus
  • Excellent analytical and problem-solving skills
  • Strong written and spoken communication skills with the ability to simplify complex ideas
  • Solid planning and organizational skills

Benefits: At Universo, we offer flexible working hours, a hybrid working model, and a vibrant, inclusive workplace where collaboration is at the heart of what we do.

Others: If you are proactive, curious, and eager to learn, organized, reliable, and goal-oriented, and ambitious, with a desire to grow and make an impact, we encourage you to submit your CV.



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