Junior Credit Risk Analyst

Descripción del empleo

We are looking for a Junior Credit Risk Analyst to join our Finance team in Madrid. In this role, you will play a key part in assessing customer creditworthiness, monitoring credit exposure and supporting credit risk management activities across the business.

This is an exciting opportunity for a finance professional who enjoys financial analysis, working in an international environment and contributing to business decision-making.

Reporting directly to the Credit Risk Manager, you will work closely with different departments across MET Energía España and collaborate with MET Group teams at an international level, supporting credit approval processes and contributing to the continuous improvement of credit risk management practices.

What You Will Do

• Assess the creditworthiness of new and existing customers across retail, wholesale and trading segments, supporting credit decisions for new contracts, renewals and commercial transactions.
• Analyse financial statements, key financial ratios and external credit information to evaluate customers' financial standing, identify potential risks and provide recommendations on credit limits and exceptions to credit policies.
• Monitor customer credit exposure, overdue balances and key risk indicators, identifying potential risks and supporting appropriate mitigation measures.
• Support the management of customer guarantees and credit insurance coverage, including the review of documentation, monitoring of limits and follow-up on renewals and expiry dates.
• Collaborate with Sales, Finance and other local departments, as well as international MET Group teams, on credit-related matters, including customer assessments, guarantee requirements and the preparation of proposals for internal credit committees and approval processes.
• Support Know Your Customer (KYC) and compliance processes, ensuring accurate and up-to-date customer information and supporting documentation.
• Prepare weekly credit risk reports for MET Group and internal stakeholders, ensuring the accuracy and consistency of risk data and reporting.
• Participate in the development and improvement of credit risk management processes, including reporting automation, digitalisation and other continuous improvement initiatives.

Requisitos

• University degree in Finance, Accounting, Economics, Business Administration or a related field.
• 2–3 years of experience in financial analysis, auditing, accounting, credit risk or a related area.
• Good understanding of financial statements, basic accounting principles and key financial ratios.
• Interest in developing a career in credit risk management and corporate financial analysis.
• Good analytical and problem-solving skills, with attention to detail.
• Excellent organizational and planning skills.
• Ability to work independently, take ownership of responsibilities and manage priorities in a fast-paced environment.
• Good communication and interpersonal skills, with the ability to work effectively as part of a team.
• Advanced Microsoft Excel skills.
• Good written and spoken English skills (minimum B2).
• Proactive attitude and willingness to learn and develop professionally.

Información adicional

Nice to Have

• Previous experience in the energy sector, banking, credit insurance or financial services.
• Background in Big Four firms or other financial auditing, consulting or advisory organizations.
• Familiarity with credit insurance, bank guarantees or other credit risk mitigation instruments.
• Experience working with ERP systems or external credit information platforms.
• Knowledge of SQL, Power BI or other data analysis and reporting automation tools.
• Experience working in an international environment or collaborating with cross-functional teams.
• Postgraduate qualification in Business Management, Finance, Auditing or Risk Management.

What We Offer You

• A competitive salary with an annual performance-based bonus.
• A permanent, full-time position within a solid and well-established international energy group.
• A hybrid working model, with two remote-working days per week after the initial onboarding period.
• 25 working days of annual leave, plus an additional day off for your birthday.
• Access to a flexible remuneration scheme, including meal vouchers, transport benefits and health insurance options.
• Be part of a young, dynamic and international team, with a good vibes working environment that encourages collaboration, teamwork and new ideas.
• The opportunity to grow your career, develop new skills and learn from experienced professionals.
• Gain hands-on experience in credit risk management within the energy sector, working closely with local and international teams.
• Be part of a growing organization where new ideas, initiative and continuous improvement are encouraged.
• Office location: Madrid, Spain.