# Credit Risk Management & Performance Analyst Source: https://realanalystjobs.com/job/credit-risk-management-and-performance-analyst-avarda-group-101dae7d Credit Risk Management & Performance Analyst at Avarda Group, an on-site role based in Malaga, Spain. Experience level: 2 Years. Posted on 25 September 2026, read from Avarda Group's own careers page (Teamtailor), which RealAnalystJobs re-checks daily and removes the role when it closes. Updated 14 November 2026. ## Key facts - Company: [Avarda Group](https://realanalystjobs.com/companies/avarda) - Location: Malaga, Spain - Work mode: On-site - Posted: Sep 25, 2026 - Employment type: Full time - Experience level: 2 Years - Source: Avarda Group's careers page (Teamtailor), re-checked daily Skills: [SQL](https://realanalystjobs.com/skills/sql), [Power BI](https://realanalystjobs.com/skills/power-bi), [Excel](https://realanalystjobs.com/skills/excel) ## About this role About the Role 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 Responsibilities • Analyse 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 Qualifications and Experience • 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 • At least 2 years of 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. Description from Avarda Group's public careers feed, reproduced so you can read the role here. Apply on the company's own site; Real Analyst Jobs never submits anything for you. ## How to apply Open [this role on Real Analyst Jobs](https://realanalystjobs.com/job/credit-risk-management-and-performance-analyst-avarda-group-101dae7d) and use Apply now there to reach the employer's application. The listing is re-checked against Avarda Group's careers page daily and removed when it closes. ## Avarda Group 5 open analyst roles on Real Analyst Jobs. [More roles at Avarda Group](https://realanalystjobs.com/companies/avarda) ## More like this ### Other open roles at Avarda Group - [Senior Commercial Analyst](https://realanalystjobs.com/job/senior-commercial-analyst-avarda-group-7e08298a), Tallinn Estonia (On-site) - [Senior Commercial Analyst](https://realanalystjobs.com/job/senior-commercial-analyst-avarda-group-4ffffc1b), Latvia (On-site) - [Credit Risk Management & Performance Analyst](https://realanalystjobs.com/job/credit-risk-management-and-performance-analyst-avarda-group-7c38bc12), Tallinn Estonia (On-site) - [Credit Risk Management & Performance Analyst](https://realanalystjobs.com/job/credit-risk-management-and-performance-analyst-avarda-group-7283ba37), Gdańsk, Poland (On-site) - [Analyst job market report](https://realanalystjobs.com/analyst-job-market) - [What analyst roles pay](https://realanalystjobs.com/blog/data-analyst-salaries) ## Sources and links - [This role on Real Analyst Jobs](https://realanalystjobs.com/job/credit-risk-management-and-performance-analyst-avarda-group-101dae7d) - [Avarda Group on Real Analyst Jobs](https://realanalystjobs.com/companies/avarda) - [All analyst jobs](https://realanalystjobs.com/jobs)