Credit Risk Manager at Abound | Madrid

About AboundAt Abound, we are revolutionizing consumer lending across the UK and beyond. By leveraging cutting-edge AI and Open Banking data, we strive to make fair and affordable personal finance accessible to a wider audience. Unlike traditional lenders that heavily depend on credit scores, we adopt a comprehensive approach, assessing spending habits and repayment capabilities to develop a nuanced understanding of each customer's financial landscape.Our innovative methods have proven successful on a large scale, having issued over £1.3 billion in loans directly to consumers while maintaining industry-leading credit performance – witnessing only 3 defaults for every 10 anticipated by the industry. Moreover, we reached profitability just 2.5 years post-launch.Supported by over £2 billion in funding from prestigious investors like Citi, GSR Ventures, and Deutsche Bank, we have been recognized as one of Europe’s fastest-growing fintech companies (Sifted, CNBC). As we expand into new markets and product lines, we invite ambitious individuals eager to learn, take initiative, and grow with us.About the Role:We are seeking a Credit Risk Manager/Data Scientist to spearhead our credit risk and data science initiatives in Spain. This role will involve tailoring our product to the Spanish market, identifying and integrating new data sources, developing models and features, and tracking performance to establish a robust foundation for expansion.What You'll Be Doing:Managing credit performance, data science, and reporting in Spain comprehensively.Developing and overseeing our local decision-making model and its associated features.Establishing and nurturing our API integrations and relationships with local data providers.Collaborating closely with our local product, tech, underwriting, and operations teams to iteratively refine and create new features.Understanding the balance between risk and growth, and leveraging the tools at our disposal to drive both.Evaluating successful strategies from the UK and adapting them appropriately for the local Spanish market.Monitoring and reporting key credit performance indicators and concentration metrics.Who You Are:A meticulous, data-driven professional with a passion for enhancing credit risk management and data science.

Ebury empowers ambitious businesses to achieve global growth, and we extend this philosophy to our employees. We foster an innovative atmosphere that encourages collaboration, problem-solving, and a sense of belonging, where everyone is valued and supported to thrive.If you are a team player eager to reshape how businesses function worldwide, we invite you to connect with us—together, we can accelerate your career and influence the future.Data Analyst - Credit Risk & UnderwritingEbury (Madrid) Office - Hybrid: 4 days in the office, 1 day working from home per weekMissionJoin Ebury's Analytics team in Madrid to develop and enhance the data models and predictive frameworks that drive our Underwriting and Credit Risk decisions. Your role will encompass more than reporting; you will create scalable analytics solutions, train explainable ML models, and translate risk signals into actionable business strategies.What you’ll doDesign, build, and maintain robust dbt data models that convert raw data into analytics-ready assets for Credit Risk and Underwriting.Write and optimize complex SQL and Python pipelines to model credit outcomes and identify early warning signals.Train, validate, and document explainable ML models (e.g., logistic regression, gradient-boosted trees) to forecast defaults and portfolio behavior.Take ownership of key Underwriting and Credit Risk KPIs, ensuring that dashboards are precise and current.Create and manage dashboards in Sigma and Looker Studio that make risk data accessible to Business and Product stakeholders.Collaborate with Underwriting, Credit Risk, and Product teams to transform model outputs into strategic actions.What you'll ownThe comprehensive data modeling layer for Underwriting and Credit Risk analytics.Portfolio health monitoring and alerting framework.Documentation and explainability artifacts for all production ML models.Stakeholder-facing dashboards and regular risk reporting cadence.Tech stack & environmentLanguages: SQL, PythonData modeling: dbtBI / visualization: Sigma, Looker StudioML modeling: Predictive modeling (XGBoost, CatBoost, Scikit-learn)Cloud / warehouse: BigQuery, GCP

About the Opportunity Join N26 as a Market Risk Controlling Manager and play a pivotal role in enhancing our Risk Controlling function, particularly focusing on interest rate risk in the banking book. You will be integral to our ICAAP Methodology & Analytics team, contributing to model development, implementation, and risk data analysis. Your responsibilities will include assessing, controlling, and reporting on N26’s risks while fostering effective collaboration with various teams and stakeholders. At N26, we are revolutionizing banking through innovative technology, and as a Manager in Market Risk, you will have the opportunity to shape the future of risk management in a dynamic and innovative environment.

Ebury empowers dynamic businesses to achieve global expansion, and we adopt the same philosophy with our team. We promote innovation and mobility, collaboration and problem-solving, nurturing an environment where each individual feels a sense of belonging, is appreciated, supported, and equipped for success.If you are a team player eager to revolutionize global business operations, reach out to us - we would be excited to explore how Ebury can enhance your career journey and help you shape the future.Financial Risk - CASS & Safeguarding ManagerEbury Madrid Office - Hybrid: 4 days in the office, 1 day working from home per weekRole Overview:Ebury is looking for a driven and detail-focused Financial Risk - CASS & Safeguarding Manager to play an essential role in ensuring the robust safeguarding of customer funds and compliance with relevant regulations, particularly regarding safeguarding requirements and applicable regulations of the Client Assets Sourcebook (CASS) or local equivalents.Located in our Madrid office, you will be tasked with establishing, maintaining, and overseeing the monitoring framework for safeguarding and CASS compliance throughout the organization. This role goes beyond safeguarding; you will also be a vital contributor to Ebury’s Financial Risk Management function. This position demands exceptional analytical skills, organizational capabilities, and the ability to collaborate with multiple internal stakeholders to ensure consistent implementation of risk standards.Key Responsibilities:Develop and Implement Monitoring Frameworks: Design, execute, and maintain thorough monitoring programs to evaluate the effectiveness of safeguarding arrangements and, where applicable, CASS compliance across all business sectors.Conduct Compliance Monitoring: Carry out regular monitoring tasks, which include but are not limited to:Reviewing and testing governance, procedures, and controls related to safeguarding and UK Client Money & Assets (CASS).Analyzing transaction data and reconciliation processes to detect potential breaches or vulnerabilities.Conducting thematic reviews and risk-based evaluations of safeguarding and CASS compliance.Performing on-site and remote inspections of operational processes.Identify and Report Findings: Meticulously document monitoring activities, findings, and recommendations in clear and concise reports.

Liquidity Risk Controlling Manager (ILAAP) About the Opportunity Join N26 as a Liquidity Risk Controlling Manager and play a pivotal role in enhancing our Risk Controlling capabilities, primarily focusing on the Internal Liquidity Adequacy Assessment Process (ILAAP) and comprehensive Liquidity Risk Management. As a key member of the Risk Controlling team, you will spearhead the development, implementation, and evaluation of sophisticated models for liquidity risk management, ensuring compliance with regulatory requirements (Pillar I) and internal methodologies. Your expertise will help ensure that N26 maintains a solid liquidity position through innovative modelling, stress testing, and methodological leadership. At N26, we are revolutionizing the banking experience through technological advancements and innovative solutions. As a Liquidity Risk Controlling Manager, you will have the opportunity to shape the future of risk management within a dynamic and progressive environment. Join our team where collaboration, creativity, and excellence are at the forefront of our mission. Key Responsibilities Lead the design, maintenance, and ongoing enhancement of the ILAAP framework to accurately reflect the firm's liquidity adequacy and risk appetite. Develop and refine advanced methodologies for evaluating liquidity risk, including internal liquidity maturity ladders, survival period analysis, and intraday liquidity metrics. Initiate the design and calibration of comprehensive liquidity stress scenarios, identifying potential vulnerabilities and rigorously challenging qualitative assumptions. Ensure compliance with relevant European and German regulatory requirements, such as MaRisk and EBA Guidelines on ILAAP, while supervising regulatory liquidity reporting standards. Establish and uphold the architectural design of risk limits for liquidity and funding, providing expert insights on limit calibration and remediation strategies. Lead initiatives to enhance the quality, governance, and lineage of core balance sheet data utilized in liquidity risk and ILAAP computations. Act as the primary methodological expert and project lead for engagements with internal/external auditors and regulators (e.g., EBA, national central banks) regarding the robustness of liquidity risk practices.

Welcome! We are Fever, the premier tech platform for culture and live entertainment.Our mission is to democratize access to culture and entertainment. Utilizing our cutting-edge technology and data-driven strategies, we are transforming how audiences engage with live events. Each month, our platform captivates over 300 million individuals across more than 40 countries, guiding them to discover unforgettable experiences while empowering event creators with our innovative tools to scale, innovate, and enhance their offerings for broader audiences.Our achievements include partnerships with industry giants such as Netflix, F.C. Barcelona, and Primavera Sound, delivering internationally recognized experiences and supported by leading global investors! Exciting, right? We seek dedicated individuals with a proactive approach who are excited about shaping the future of entertainment!Ready to be part of this journey?Now, let’s explore the responsibilities of this role and how you can contribute to Fever’s mission.About the Role:The Information Security, Risk & Compliance Manager will be instrumental in crafting and executing our information security and cybersecurity compliance strategy, focusing on maintaining crucial certifications such as ISO 27001 and ENS, among others, while championing the company’s commitment to achieving top-tier security standards.The ideal candidate will collaborate with internal teams to assess and uphold information security policies, conduct risk assessments, align with governance frameworks, and manage responses to security questionnaires. Additionally, this role will assist in preparing for external audits and actively work to bolster the organization’s security posture by identifying areas for compliance enhancement. A strong understanding of security frameworks, governance processes, and risk management is essential to keep the organization's certifications and policies current.If you excel in a dynamic environment and are passionate about pushing the boundaries of what’s possible, this is your chance to make a significant impact in a fast-growing global leader.

Role overview N26 GmbH seeks a Team Lead for Risk Management in Madrid, with a focus on ICAAP and ILAAP processes. The position involves overseeing strategic risk initiatives and ensuring compliance with regulatory standards throughout the organization. What you will do Lead and develop a team handling risk management activities related to ICAAP and ILAAP. Shape and enhance risk assessment frameworks so they align with regulatory expectations. Work with colleagues across departments to refine risk methodologies and support broader company goals. Encourage high standards and continuous improvement within the risk management team. Requirements Background in risk management, with hands-on experience in ICAAP and ILAAP processes. Proven leadership skills, including experience mentoring or developing teams. Strong ability to collaborate with cross-functional groups. Dedication to regulatory compliance and a proactive mindset for process improvement.

As an Associate Research Manager at Control Risks, you will play a pivotal role in ensuring the excellence of our VANTAGE projects. You will lead a team dedicated to delivering clear, insightful, and meticulously crafted reports that empower our clients to safeguard their integrity and reputation. Your responsibilities will encompass engaging with clients throughout the project lifecycle—from initial scoping to the evaluation of project outcomes. Collaborating closely with the Associate Director, you will assist in managing both internal and external resources to ensure timely and effective project execution. You will also contribute to strategic initiatives aimed at growing the team organically while maintaining optimal project margins.Key Responsibilities:Team Leadership: Oversee a team of researchers, senior researchers, and team leads, setting clear objectives and responsibilities aligned with practice goals.Conduct performance reviews and promote professional development to ensure staff well-being.Assist in the recruitment of new research talent alongside the Associate Director.Project Management for Third-Party Due Diligence:Ensure comprehensive scoping, allocation, tracking, and timely delivery of VANTAGE projects within budget.Engage directly with clients to clarify project scopes, address inquiries, and propose additional research avenues.Review and endorse VANTAGE outputs, ensuring they meet high-quality standards and client specifications.Coordinate with vendors and subcontractors, providing feedback to uphold global delivery standards.Collaborate with colleagues across Control Risks to resolve client queries effectively.Regional Research Initiatives:Regularly liaise with other managers and the Quality Assurance team to provide support and feedback on VANTAGE outputs.Participate in discussions with management, Client Services, and Product teams to offer insights for service and product enhancements.

Ebury empowers ambitious businesses to achieve global expansion, and we apply the same philosophy in nurturing our talent. We promote innovation, collaboration, problem-solving, and create an inclusive environment where every individual feels valued, supported, and empowered to thrive.If you are a team player eager to revolutionize the way businesses operate on a global scale, reach out to us. We would be thrilled to explore how Ebury can propel your career forward and allow you to influence the future.Director of Model Risk Management & Data QualityEbury Madrid Office - Hybrid: 4 days in the office, 1 day working from home weeklyUnderstanding Model Risk ManagementIn our context, models signify the algorithms and analytical tools we utilize to make informed financial decisions. These models are integral to Ebury's capability to effectively serve and safeguard our clients while fulfilling our regulatory commitments. However, using these models involves inherent risks. Model risk management encompasses the identification, assessment, and mitigation of these risks.The Importance of Model Risk Management at EburyAs we provide solutions to our clients, we recognize the critical need for accuracy, reliability, and trust in our operations. Our clients depend on us to deliver optimal financial solutions, and our models are vital in meeting their expectations. The Model Risk Management Programme is structured to address potential risks linked to model use and to ensure effective management and mitigation.Your Responsibilities:Design and uphold a comprehensive model risk management framework aligned with our fast-paced, dynamic environment and regulatory demands.Guide and advise various teams within our organization—including Finance, Operations, Analytics, Decision Science, Sales & Marketing—on model development, validation, and implementation processes.Review and assess model validations regarding accuracy, performance, and predictive capability.Continuously monitor model performance and recommend necessary updates or modifications.Provide reports and insights concerning our models to Risk Committees and Ebury Executives.Ensure comprehensive documentation for all model development and validation efforts.

Hello! We are Fever, the premier technology platform dedicated to culture and live entertainment.Our vision? To make culture and entertainment accessible to everyone. Utilizing our advanced technology and data-centric approach, we are transforming how individuals connect with live entertainment. Each month, our platform motivates over 300 million people across more than 40 countries to uncover remarkable experiences while also equipping event creators with essential data and technology, enabling them to scale, innovate, and attract new audiences.Our achievements? We've collaborated with prominent industry figures such as Netflix, F.C. Barcelona, and Primavera Sound, created internationally acclaimed experiences, and gained the support of leading global investors! Quite impressive, right? To further our mission, we are in search of dynamic individuals with a proactive mindset who are enthusiastic about shaping the future of entertainment! Ready to embark on this journey with us?Now, let’s delve into the details of this role and how you will contribute to Fever’s mission.About the RoleAs a Supplier Risk & Compliance Specialist, you will be pivotal in enhancing Fever's supplier governance, compliance processes, and procurement tools on a global scale.This role emphasizes supplier risk management, compliance, and the governance of procurement tools, ensuring suppliers are onboarded, managed, and monitored in a structured, scalable, and compliant manner. You will collaborate closely with teams in Procurement, Trust & Safety, Cybersecurity, Legal, and Finance to boost visibility, traceability, and adoption across the organization.Key Responsibilities:Support the implementation of Fever’s policies and procedures regarding supplier risk and compliance.Conduct thorough risk assessments and audits of suppliers.Collaborate with cross-functional teams to enhance compliance frameworks.Monitor supplier performance and compliance metrics.

Join AccorHotels as a General Manager in the vibrant city of Madrid! As a leader in the hospitality industry, you will play a pivotal role in driving operational excellence and guest satisfaction. Your responsibilities will include overseeing daily operations, ensuring high service standards, and leading a dynamic team.

Role Overview Rentokil Initial seeks a Safety Risk Prevention Technician for its Madrid location. This position focuses on maintaining a safe workplace and supporting compliance with health regulations. Main Responsibilities Identify and assess potential workplace hazards. Develop and implement safety protocols. Conduct training sessions to encourage safe practices among staff. Promote a strong culture of safety throughout the organization.

About the Role airapps is looking for a Community Manager based in Madrid. This position focuses on building strong connections with our user community and supporting engagement across our platforms. What You Will Do Develop and implement strategies to grow and support the community Manage online platforms and keep conversations active Listen to feedback and make sure members feel valued Build relationships with users and encourage participation Who We’re Looking For Experience managing online communities or similar roles Strong communication skills Comfort working with digital platforms Interest in connecting with people and supporting community initiatives This role is based in Madrid and offers the chance to shape how our users interact and connect with airapps.

As a Department Manager at Primark, you will play a crucial role in leading and inspiring our team to deliver exceptional customer service while driving sales and profitability. You will be responsible for managing daily operations, ensuring visual merchandising standards are met, and fostering a positive work environment. Your leadership will be key in achieving store objectives and maintaining our brand values.

Join our dynamic team at Madrid Corner as an Assistant Manager. In this critical role, you will assist in overseeing daily operations, ensuring exceptional customer service, and maintaining inventory standards. You will work closely with the store manager to implement sales strategies and enhance team performance.

E-commerce is thriving, yet independent brands often find it challenging to match the seamless logistics of industry giants like Amazon. At Bigblue, we are dedicated to transforming this landscape.We empower brands by democratizing top-tier operations, enabling them to scale rapidly while ensuring an outstanding customer experience.Since our inception in 2018, we have developed a technology-driven logistics platform that supports over 500 brands, including fast-growing direct-to-consumer (DTC) companies and global names like MUJI, Aigle, and Cabaïa. With a team of over 110 employees spread across Paris, Madrid, and London, our proprietary Warehouse Management System (WMS) Atlas and a network of 7 warehouses across Europe are designed to solve logistics challenges that others shy away from, making fulfillment quicker, smarter, and more sustainable.With over $20 million in funding and the trust of the next generation of e-commerce leaders, we are on an ambitious growth trajectory, aiming for 10 million orders in 2024 and significant enterprise expansion. The road ahead is adventurous, and we seek the right individual to help us navigate this journey.About the Role Location: Madrid, SpainOnboarding is a critical aspect of customer success, and at Bigblue, it transcends basic checklists. This role involves complex project management across warehouse, technology, and sales teams, guiding customers from the moment they sign up to their first successful shipments.As the Onboarding Manager, your primary responsibility will be to ensure satisfaction during this vital phase for Bigblue’s key Spanish accounts, working in a hands-on and operational capacity.

We are seeking a dynamic and results-driven Key Account Manager to join our innovative team at metgroup in Madrid. In this role, you will be responsible for managing key client accounts, building strong relationships, and driving customer satisfaction.As a Key Account Manager, you will work closely with clients to understand their needs and ensure that our services meet their expectations. Your ability to communicate effectively and collaborate with cross-functional teams will be essential for success.

Role Overview atexis is hiring an Experienced Business Manager in Madrid. This position leads projects, works closely with cross-functional teams, and plays a key role in shaping strategic decisions that improve how the business operates. What You Will Do Lead and manage business projects from planning through execution Collaborate with colleagues from various departments Support strategic decision-making to strengthen operational performance Location This role is based in Madrid.

E-commerce is experiencing significant growth, yet independent brands often find it challenging to achieve the seamless logistics that major players like Amazon offer. At Bigblue, our mission is to transform this landscape.We empower brands by democratizing top-tier operations, enabling them to scale swiftly while providing an exceptional five-star customer experience.Since our inception in 2018, we have developed a technology-driven logistics platform that supports over 500 brands, ranging from dynamic DTC companies to renowned global brands such as MUJI, Aigle, Scuffers, and Cabaïa. With a team of over 110 employees located in Paris, Madrid, and London, we utilize our proprietary WMS (Warehouse Management System) Atlas and maintain a network of 7 warehouses across Europe. Our innovative approach addresses logistics challenges that others shy away from, making fulfillment faster, smarter, and more sustainable.With the backing of $20+ million in funding and the trust of the next generation of e-commerce leaders, we are rapidly scaling — targeting 10 million orders in 2024 and ambitious enterprise growth. The path ahead is daring, and we seek the right partner to help us lead the charge.About the Role As an Account Manager, you will play a pivotal role in nurturing and expanding Bigblue's key accounts, focusing on the most promising European D2C brands and contributing significantly to their success.Foster Authentic, Long-Term Partnerships- Cultivate and sustain robust relationships with merchants in your portfolio.- Assist various stakeholders in their daily interactions with Bigblue services.- Serve as a trusted advisor and advocate for our merchants.Collaborate for Mutual Growth- Contribute to the strategic development of our merchants and identify key metrics that drive growth.- Navigate and deliver on complex goals where strategies are not predefined. Balance immediate customer needs with long-term company investments.- Recognize new opportunities for upselling.Champion Customer Excellence- Analyze trends in merchant feedback, both positive and negative. Develop improvement plans and manage expectations.- Utilize customer insights and market trends to aid in feature development and enhance merchant experiences with Bigblue.- Identify and implement internal enhancements that can benefit a broad range of customers (e.g., improving efficiencies through tools and processes).

Acerca de FreshaFresha es la plataforma líder en el sector de belleza y bienestar, confiada por millones de consumidores y negocios en todo el mundo.Con más de 120,000 negocios y 450,000 estilistas utilizando nuestros servicios, hemos procesado más de mil millones de citas hasta la fecha.Nuestra sede se encuentra en Londres, Reino Unido, y contamos con oficinas en Nueva York, Vancouver, Sídney, Ámsterdam, Dubái, Varsovia y Pristina.Fresha permite a los consumidores descubrir, reservar y pagar citas de belleza y bienestar con negocios locales. A su vez, los negocios utilizan nuestra plataforma integral para gestionar sus operaciones con un software intuitivo y soluciones financieras sin suscripción.El ecosistema de Fresha brinda a los comerciantes todas las herramientas necesarias para operar eficazmente, incluyendo reservas, gestión de clientes, marketing automatizado, fidelización, y gestión de inventario.Nuestro mercado de consumidores permite a los negocios maximizar sus ingresos a través de reservas online y marketing automatizado, integrándose con plataformas como Instagram, Facebook y Google.Salario: Salario OTE de EUR 36.000 a 45.000 (dependiendo de la experiencia) bruto más un variable mensual del 20% basado en objetivos personales y corporativos.Descripción del puestoEn el marco de nuestros emocionantes planes de expansión, buscamos un Account Manager excepcional para unirnos a nuestro equipo del Sur de Europa, basado en Madrid. Serás responsable de establecer relaciones sólidas con nuestra base de salones y fomentar el uso de diversas funcionalidades de Fresha. Esta es una excelente oportunidad para quienes buscan desarrollarse en un entorno dinámico y disfrutan de trabajar en equipo.