Credit Manager - Spain

The role

The Credit Manager for Spain will own underwriting strategy, portfolio monitoring, and responsible-lending outcomes. You will work with cross-functional teams to turn portfolio data into decisions that protect profitability and compliance.

What you will do

• Develop understanding of lending products, underwriting flow, and customer journey
• Monitor and explain credit performance using dashboards and reports
• Evaluate profitability and data value using cash-flow and lifetime-value models
• Set priorities and maintain a short-term roadmap
• Implement credit strategy changes in Taktile
• Support model and analytical development with Data Science
• Design, implement, and evaluate controlled experiments and A/B tests
• Maintain control and human accountability for credit policies and regulatory compliance
• Prepare and present Spain credit committee reporting packs

Required qualifications

• Strong practical knowledge of consumer credit risk management and underwriting strategy
• Advanced Excel and SQL skills
• Judgment to remain personally accountable for credit decisions, policy changes, and regulatory compliance
• Ability to connect portfolio performance, unit economics, customer behaviour, and operational evidence to a clear decision
• Hands-on experience implementing or closely managing decision-engine rules, policy parameters, limits, and experiments
• Confidence using Tableau or another BI platform
• Ability to perform multivariate analysis
• Clear written and verbal communication
• Disciplined documentation, change governance, escalation, and follow-through
• Ability to use AI tools to accelerate research, analysis, documentation, and hypothesis generation
• Discipline to validate AI and model outputs against source data, logic, policy, and independent calculations

Nice to have

• Spanish consumer credit experience
• Experience with Spanish credit bureaus and data (ASNEF/Equifax, Experian, CIRBE)
• Experience with open-banking data
• Knowledge of Spanish responsible-lending rules
• Knowledge of Spanish recovery and collections dynamics
• Python or R

Benefits

• Competitive salary
• 5 weeks of vacation
• Private healthcare compensation
• Hobby grant
• Mental healthcare support
• Share options

Before you apply

• Tackle a home task related to credit management
• Complete personality and logic assessments

About the company

Bondora is a financial technology company founded in 2008 that helps customers borrow and invest through digital products. The company is set to acquire a banking license to expand lending across more EU countries.