With offices in Barcelona and Madrid, we are looking for a Data Engineer with a strong product mindset to join our Data team. Your primary mission will be to design, build, and maintain production-grade data products that power our credit workflows — turning Data Scientist research and models into robust, scalable services that enable real-time decisions at the core of our business.
Sounds interesting? Keep reading!
]]>In order to achieve your mission, you will:
Work closely with the Data Science team to productionize Data Science solutions
Own the full ML lifecycle: feature engineering, training and retraining workflows, model versioning (MLflow), and live monitoring for drift and degradation.
Ensure deployed models meet the performance and latency standards required by automated credit decision workflows.
Build internal APIs to expose credit scoring, risk signals, and underwriting features — consumed by the Novicap platform, operational teams, and third-party partners.
Model and maintain database schemas for credit products: scoring results, decision logs, exposure tracking, repayment history — optimized for both operational and analytical access.
Own the data layer for new products (micro-credit, portfolio factoring, supply chain finance) from scratch: define the business logic, model the data, and implement end-to-end pipelines.
Design systems that grow with credit volumes and new product types — without requiring hard architectural rework every time.
Apply software engineering best practices: modular code, unit and integration tests, CI/CD pipelines, clear documentation.
Containerize and deploy services on AWS with Docker; orchestrate batch workflows (scoring runs, data refresh) with tools like Airflow.
Data Scientists: iterate rapidly on productionization — you are their engineering partner, not just a deployment step.
Software Engineers: integrate data services into the platform cleanly, with clear API contracts and stable interfaces.
Credit, Risk and Underwriting teams: translate operational needs into robust data product requirements.
In doing so, you will contribute to the achievement of Novicap’s long-term growth plans
]]>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.
]]>End-to-end ML & data engineering — You have shipped Data Science solutions into production: feature pipelines, training and retraining workflows, model versioning, and live monitoring. Not prototypes — real systems that users and workflows depend on.
Python & modern data frameworks — Clean, modular, testable Python is your default. Comfortable with FastAPI, SQLAlchemy, Pydantic and similar libraries; you know the difference between code that works and code that ships.
Data services & APIs — Hands-on building internal REST APIs: request validation, async patterns, error handling, OpenAPI docs. You design stable contracts and think about versioning and performance from day one.
Data modeling & SQL — Strong database skills across operational and analytical workloads: schema design, indexing, partitioning, query optimization. Comfortable modeling finance-domain data — scoring outputs, decision logs, exposure and repayment history.
Cloud & infrastructure — Solid AWS cloud experience (S3, RDS, EC2, Lambda, IAM, others) deploying and operating APIs and batch workers. Comfortable containerizing workloads with Docker.
Ownership & business acumen — Small team, high autonomy. You drive work from problem definition to production with minimal guidance, and you measure quality in terms of credit decisions — not just technical correctness.
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 Coverflex: 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!
]]>With offices in Barcelona and Madrid, we are currently looking for a SDR who wants to join our team. You will identify and acquire mid-market clients (SMEs with €10M+ in revenue) with working capital needs.
Sounds interesting? Keep reading!
]]>In order to achieve your mission, you will:
Execute outbound outreach via cold calling, email sequences, and LinkedIn.
Vet potential mid-market clients to ensure they fit the ideal customer profile.
Identify key decision-makers (CFOs, Finance Directors and Treasury managers) and tailor messaging to their needs.
Work side-by-side with the Sales Managers and Revenue Operations team to refine prospecting strategies and messaging.
In doing so, you will contribute to the achievement of Novicap’s long-term growth plans.
]]>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.
]]>Have a Hunter Mentality: You are results-oriented and genuinely thrive on the challenge of "opening doors" and identifying new opportunities.
Embody Resilience: You maintain a positive attitude and unwavering persistence, even in high-activity, target-driven environments.
Are a Persuasive Communicator: You possess exceptional verbal and written skills, allowing you to effectively influence and engage key decision-makers.
Bring an Academic Foundation: You hold a Higher Vocational Training qualification (FP) or a degree in Economics, Business Administration, or a related field.
Are interested in driving your career into B2B Sales.
Extra Points if you:
Are fluent in Catalan: You can communicate effectively and build rapport in this language.
Are passionate about FinTech: You demonstrate a genuine interest or have previous experience in Finance, Credit, or Corporate Treasury.
Are a CRM Power User: You are proficient at tracking sales activities and take pride in maintaining clean, accurate data pipelines.
A Clear Path for Growth: A defined promotion track to Credit Account Executive within 12–24 months, directly tied to your performance and impact.
Competitive fixed and variable salary compensation
Full-time work with an open-ended contract
Flexible benefits with Coverflex: 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!
]]>With offices in Barcelona and Madrid, we are currently looking for a Senior Risk Analyst who wants to join our team. You will take ownership of credit underwriting & monitoring activities at Novicap with the view to reduce and mitigate the impact of credit and fraud risk. Given that providing financing to SMEs and mid-market corporates is core to our vision, managing credit and fraud risk is crucial to Novicap’s continued success.
Sounds interesting? Keep reading!
]]>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
]]>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!
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