As mentioned, you will take ownership of credit underwriting & monitoring activities at Novicap.

In order to achieve your mission, you will:

• Execute end-to-end risk analysis for new and existing clients (Corporate Rating/Risk Basket and Direct Risk assignment) using the Novicap Platform and external tools.

• Perform fraud checks and operational viability filters before deep financial analysis.

• Assess and value third-party credit assignments (recurrent cash flows or contracts) using Novicap’s Collateral methodology.

• Approve transactions within assigned attributions or prepare comprehensive "Risk Reports" to elevate complex cases to the Underwriting Manager or the Underwriting Committee.

• Manage daily alerts via the Early Warning System (e.g. CIRBE changes, tax debts, unpaid bureaus) and resolve account blocks in coordination with Operations.

• Ensure all assigned Debtors and Suppliers have valid, up-to-date Risk Reports, based on the relevant frequency (from quarterly to annually, depending on the case).

• Participate in weekly or monthly coordination with other teams (e.g. Collections, Operations, Commercial) and document lessons learned in internal documents.

In doing so, you will contribute to the achievement of Novicap’s long-term growth plans 

With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue to grow.

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.

• A Bachelor's degree in Economics, Business, or Finance.

• A minimum of 5 years experience working as a credit underwriting analyst in a top 5 bank, an alternative lender, or a Big 4 in Spain.

• Proficiency in financial statement analysis and accounting principles.

• An understanding of Working Capital products (Factoring, Confirming).

• The ability to work within the Novicap Platform and Dashboards.

• The ability to synthesize complex financial data (P&L, Balance Sheet, Cash Flow) into a clear "Risk Basket" (1-19), according to the Underwriting Policy

• The capability of making autonomous decisions within the Attribution Matrix.

• The ability to explain rejections or conditions clearly to Commercial teams ("Reject and Explain" protocol).

• The proactiveness investigation of potential "orange/red flags" in the Early Warning System.

• The ability to work across teams, with a positive and problem-solving attitude, in particular when facing the Commercial team.

• Full-time work with an open-ended contract

• Hybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance

• Flexible benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others

• Medical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing

• Communicate better with your colleagues by signing up for free English or Spanish classes if you need them

• Gym membership with Urban Sports Club, partly subsidized by Novicap (we also have a running club!)

• Incredible and highly motivated co-workers

• You will participate in our company events and get to meet the rest of the team that is spread across Spain

• You will be part of our dynamic and international work environment, with a flat hierarchy and open communication between teams

• Library with plenty of books to choose from. If you can't find anything, let us know and we'll add it to the library.

• Free fruit, coffee and tea in the office. We know it's customary, but we like to take care of you anyway.

Novicap is an equal opportunity employer and does not discriminate on the basis of race, color, national origin, ancestry, citizenship status, religion, physical or mental disability, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation. We make every effort to ensure that all candidates are treated fairly and equally.

If you think you don't tick all the boxes, we'd still love to hear from you. Nobody checks every box, and we are looking for someone excited to join the team!