{"id":2279998,"url":"https://alion.io/job/novicap-senior-risk-analyst","title":"Senior Risk Analyst","company":{"id":2109685,"name":"Novicap","domain":"novicap.com","url":"https://alion.io/company/novicap","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Personio","truth_index":{"grade":"B","score":75,"open_postings":5,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-17T05:46:00Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Madrid, Spain"],"countries":["ES"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":41000,"max_usd":97000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":11},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2025-12-23T15:59:08Z","employer_posted_date":"2025-12-23","last_verified_at":"2026-10-17T04:08:13Z","board_verified":true,"closed_at":null,"days_open":298,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":297},"description":"Who are we?\nNovicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions.\nWith 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.\nSounds interesting? Keep reading!\nYour mission\nAs mentioned, you will take ownership of credit underwriting & monitoring activities at Novicap.\nIn order to achieve your mission, you will:\nExecute 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.\n\nPerform fraud checks and operational viability filters before deep financial analysis.\n\nAssess and value third-party credit assignments (recurrent cash flows or contracts) using Novicap’s Collateral methodology.\n\nApprove transactions within assigned attributions or prepare comprehensive \"Risk Reports\" to elevate complex cases to the Underwriting Manager or the Underwriting Committee.\n\nManage daily alerts via the Early Warning System (e.g. CIRBE changes, tax debts, unpaid bureaus) and resolve account blocks in coordination with Operations.\n\nEnsure 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).\n\nParticipate in weekly or monthly coordination with other teams (e.g. Collections, Operations, Commercial) and document lessons learned in internal documents.\n\nIn doing so, you will contribute to the achievement of Novicap’s long-term growth plans\nHow will you do it?\nWith 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.\nWe always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.\nAnd finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.\nWho will you work with?\nYou will report directly to the Underwriting Manager and work closely with the rest of the Underwriting teams across Madrid and Barcelona. We are a young and dynamic team that’s waiting for you with arms open!You are who we are looking for if you:\nA Bachelor's degree in Economics, Business, or Finance.\n\nA 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.\n\nProficiency in financial statement analysis and accounting principles.\n\nAn understanding of Working Capital products (Factoring, Confirming).\n\nThe ability to work within the Novicap Platform and Dashboards.\n\nThe ability to synthesize complex financial data (P&L, Balance Sheet, Cash Flow) into a clear \"Risk Basket\" (1-19), according to the Underwriting Policy\n\nThe capability of making autonomous decisions within the Attribution Matrix.\n\nThe ability to explain rejections or conditions clearly to Commercial teams (\"Reject and Explain\" protocol).\n\nThe proactiveness investigation of potential \"orange/red flags\" in the Early Warning System.\n\nThe ability to work across teams, with a positive and problem-solving attitude, in particular when facing the Commercial team.\n\nWhat we offer?\nFull-time work with an open-ended contract\n\nHybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance\n\nFlexible benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others\n\nMedical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing\n\nCommunicate better with your colleagues by signing up for free English or Spanish classes if you need them\n\nGym membership with Urban Sports Club, partly subsidized by Novicap (we also have a running club!)\n\nIncredible and highly motivated co-workers\n\nYou will participate in our company events and get to meet the rest of the team that is spread across Spain\n\nYou will be part of our dynamic and international work environment, with a flat hierarchy and open communication between teams\n\nLibrary with plenty of books to choose from. If you can't find anything, let us know and we'll add it to the library.\n\nFree fruit, coffee and tea in the office. We know it's customary, but we like to take care of you anyway.\n\nNovicap 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.\nIf 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!","description_format":"text","description_chars":5558,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[{"language":"English","level":"All levels","optional":false}]},"benefits":["Company events","Gym membership","Health insurance","Hybrid work"],"hiring_locations":[{"name":"Spain","iso":"ES","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Internet Services","Internet Service Providers"],"lifecycle":[{"event":"open","at":"2026-10-11T11:21:23Z"}],"visa":[],"liveness":{"score":8,"band":"cold","label":"Long shot","p_open":1,"p_active":0.277,"p_room":0.28,"age_days":297,"expected_fill_days":37,"reasons":["conf:1","win:tail","crowd:"],"computed_at":"2026-10-17T05:46:00Z"},"pay":null,"html_url":"https://alion.io/job/novicap-senior-risk-analyst","json_url":"https://alion.io/job/novicap-senior-risk-analyst.json","meta":{"generated_at":"2026-10-18T04:37:31Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":6890,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-19T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":2109685},"rest":"https://alion.io/mcp/rest/get_company?id=2109685"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fnovicap-senior-risk-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fnovicap-senior-risk-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fnovicap-senior-risk-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/novicap-senior-risk-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fnovicap-senior-risk-analyst"}]}