Junior Credit Specialist 1

Universo is a financial institution leader in the issuance of credit cards in Portugal (“Cartão Universo”) with more than 1 million customers. It has the goal of disrupting the banking industry in Portugal by innovating in the arena of consumer payments, credit and insurance.

Our clients are the stars that set our course and make our work shine.

Want to be part of our Universe?

We are hiring a Junior Credit Specialist to directly support the business functions in their analytical and reporting roles.

You will be responsible for:

Analyze and approve proposals related to credit lines
Analyze and validate the documentation supporting the analysis and approval of a credit proposal, ensuring its consistency and compliance
Provide support to commercial and operational teams throughout the onboarding process of new clients
Assess Payment Capacity and factors that may impact the client’s risk of default
Participate in the preparation and development of Risk Committees, particularly concerning the supporting information for these meetings
Create and update activity reports and indicators
Ensure that all relevant information is properly updated in the company’s internal systems

If you have:

Excellent academic track record in Finance, Management, Economics, Accounting or a related field
Preferably 1 year of experience in Risk-related positions and/or within the Banking Sector
Excellent analytical skills
Good knowledge of MS Office applications
English proficiency
Proactive attitude in managing the risks inherent to daily activities
Strong attention to detail, organizational skills, and the ability to handle financial data and various documents

If you are:

Proactive and curious
Team-oriented and a clear communicator
Organized and goal-oriented
Reliable and ambitious

What we offer:

1200 – 1500 € gross salary plus additional relevant benefits
Flextime and a hybrid working model, allowing you to work smarter instead of longer
A diverse and inclusive working community, where working together is not only a large part of our day-to-day, but one of the most important essentials of our Universe

We aim for greatness and boldness. We want to achieve the extraordinary, bringing your full self to what you do.

If you believe you can be a part of our Universe, please submit your CV.