Credit Risk and Lending Consultant

Are you a Consultant in Risk Management and Data Governance ?

We are Reply , and we are looking for you!

WHO WE ARE

Reply is a company that specialises in Consulting, Systems Integration and Digital Services with a focus on the conception, design and implementation of solutions based on the new communication channels and digital media. Reply partners with key industrial groups in defining and developing business models made possible by the new technological and communication paradigms such as Artificial Intelligence, Big Data, Cloud Computing, Digital Communication, the Internet of Things and Mobile and Social Networking.

WHAT WILL YOU DO?

• Core activities . Credit Risk Evaluation: Benchmarking and enhancing credit risk models and lending processes, aligning with regulatory and internal risk management standards, and supporting the review, validation, and remediation of credit decisioning frameworks. You will manage the end-to-end credit process lifecycle, including drafting and maintaining credit policies and procedures, scheduling and monitoring credit applications, data collection, validation, and integration with decision engines. You will perform advanced data analysis to support credit risk assessment and lending activities, and implementing credit decision engines and strategies to optimize credit approval processes.
• Technologies . You will work with data analysis technologies (es. SQL). Activities will involve the implementation and configuration of data governance platforms, as well as data extraction, transformation, and analysis using industry-standard solutions.
• Team work . You will work within a collaborative and dynamic team environment, engaging with professionals from diverse backgrounds and expertise. The team values open communication, knowledge sharing, and mutual support to achieve common objectives and deliver high-quality results. The working environment encourages cross-functional interaction, continuous learning, and a strong sense of partnership.

WE'LL TOTALLY LOVE YOU IF YOU HAVE…

• Academic background . Bachelor’s or Master’s degree in Business Administration or Management Engineering.
• Valuable expertise . Passion for Finance and Credit Risk; strong technical skills in data analysis and reporting, credit process optimization, and compliance with regulatory standards (e.g., credit risk models, internal lending policies). Fluent english.
• Nice to have . Experience with leading data management and analytics tools, including SQL and SAS, to support data integration and quality monitoring.
• Soft skills . Excellent problem-solving skills, adaptability, and strong teamwork and communication abilities.

YOU WILL LOVE WORKING WITH US BECAUSE…

• We have a start-up heart . Hundreds of small units with their own projects and teams. Guaranteed hands-on experience, flexibility, table footballs and free coffee.
• But we dream worldwide . We have the structure to make your ideas matter. We partner with major groups over 4 continents and 15 countries.
• We are customers-obsessed . Excellence is in our DNA. We strive for the best. We get our hands dirty. We get results.
• We are learning . We at Reply are always aiming for true innovation. Even though it still may look unreal.

WHAT ARE THE NEXT STEPS

The first step of our recruiting process will be the meetings with the technical referents and then a face to face interview with the HR team. We care about an equal recruiting process.

Feel interested?

Reply is committed to embracing diversity and creating an inclusive work environment by valuing the uniqueness of people regardless of age, gender, sexual orientation, religion, nationality, or disabilities as protected by Italian Law (L.68/99).

Furthermore, Reply is committed to ensuring a fair and accessible selection process: to help you during the recruitment process, please let us know of any kind of support you may need.