Data Analyst - Credit Risk & Underwriting

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.

If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.

Data Analyst - Credit Risk & Underwriting

Ebury (Madrid) Office - Hybrid: 4 days in the office, 1 day working from home per week

Mission

Join Ebury's Analytics team in Madrid to build and maintain the data models and predictive frameworks that underpin our Underwriting and Credit Risk decisions. You'll go beyond reporting, designing scalable analytics assets, training explainable ML models, and translating risk signals into clear business actions.

What you’ll do

• Design, build, and maintain robust dbt data models that transform raw data into analytics-ready assets for Credit Risk and Underwriting.

• Write and optimise complex SQL and Python pipelines to model credit outcomes and surface early warning signals.

• Train, validate, and document explainable ML models (e.g., logistic regression, gradient-boosted trees) to predict defaults and portfolio behaviour.

• Own key Underwriting and Credit Risk KPIs, ensuring dashboards are accurate and up to date.

• Build and maintain dashboards in Sigma and Looker Studio that make risk data accessible to Business and Product stakeholders.

• Partner with Underwriting, Credit Risk, and Product teams to turn model outputs into actionable strategy.

What you'll own

• The end-to-end data modelling layer for Underwriting and Credit Risk analytics.

• Portfolio health monitoring and alerting framework.

• Documentation and explainability artefacts for all production ML models.

• Stakeholder-facing dashboards and regular risk reporting cadence.

Tech stack & environment

• Languages: SQL, Python

• Data modelling: dbt

• BI / visualisation: Sigma, Looker Studio

• ML modelling: Predictive modeling (XGBoost, CatBoost, Scikit-learn)

• Cloud / warehouse: BigQuery, GCP

What you’ll need

• 2+ years in a data-focused role within Banking, Fintech, or Consultancy.

• Strong SQL — comfortable writing complex joins, window functions, and CTEs at scale.

• Working proficiency in Python for data analysis and modelling.

• Experience building and maintaining dbt projects.

• Foundational understanding of supervised learning techniques and model evaluation (precision, recall, AUC, etc.).

• Ability to explain technical findings to non-technical stakeholders clearly and directly.

• Fluent English (written and spoken).

• High standards for data quality and reproducibility

Nice-to-have skills

• Direct experience with Credit Risk analytics or default modelling.

• Familiarity with Sigma and/or Looker Studio.

• Exposure to version-controlled analytics workflows (Git-based dbt projects).

• Experience with model monitoring and drift detection in production.

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.

• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.

• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.

• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.

• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.

• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.

• Central Office: A fantastic location with excellent transport links.

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About us

Ebury delivers sophisticated, integrated solutions — business accounts, hedging, and financing — on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Since its founding in 2009, Ebury has always been a fast-growing leader in fintech. Today, we bring together 1,800+ Eburians across nearly 70 cities and we’re always looking to add to our team.

At the heart of our offering is a proprietary platform, purpose-built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage.

The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.