Senior Credit Risk Analyst Finance Milan, Italy - Full time

Overview

About Subbyx Our mission is ambitious: to create and consolidate an alternative consumption model based on a simple monthly fee to achieve circularity and financial sustainability. Easy to say, harder to do. That’s why we need you! Curious about our core values? Explore them here

Your mission

At Subbyx, every deal matters. Your role is to make sure they’re safe. You’ll assess credit risk, check partners, and catch potential problems before they happen. Every contract you approve will be backed by real data, not assumptions, keeping our network reliable and our business trusted.

Sub to freedom.

Freedom of choosing what you need, for how long you need it, without any sort of commitment. Freedom to change your mind and your behavior, whenever you want. Freedom of trying something new, without needing to worry if you don’t like it. Freedom from debts and commitment. If you can’t carry on, cancel. Whenever. Freedom from purchasing and producing waste. Give it back when you don’t need it anymore, we’ll give it a new life. Our mission is ambitious: to create and consolidate an alternative consumption model based on a simple monthly fee to achieve circularity and financial sustainability. Easy to say, harder to do. That’s why we need you!

Responsibilities

• Run credit checks on client companies (reliability, financial statements, rating, payment history).
• Analyze and validate the economic and financial solidity of potential clients prior to the signing of contracts submitted by Business Developers.
• Support the definition of credit limits and contractual conditions, negotiating deviations from standard terms.
• Manage processes for operational leasing, financing, and related insurance.
• Monitor risk exposure and update internal reporting.
• Manage and coordinate B2B credit recovery activities, in collaboration with the legal and administrative departments.
• Ensure compliance with internal control processes and corporate compliance policies.

Qualifications

• 3–5 years in Credit Management, Risk Analysis, or B2B Credit Recovery.
• Background in Banking, Finance, or Insurance.
• Strong skills in financial statement analysis and credit databases.
• Confident with Excel, credit platforms, and data interpretation.
• English and Italian: fluent in both worlds.
• Passionate about your job
• Willing to learn and go the extra mile if needed
• Ready to make mistakes and improve by doing them
• Team-work and goal-oriented approach
• Ability to work independently with high problem solving skills
• Down to earth and open to take a step back if needed
• Motivated to build an empire

What we offer

• An incredibly talented team
• Extreme learning curve
• Motivation, inspiration and challenges
• Flexibility and total transparency
• Welfare
• Stock options and performance bonuses

Equal Opportunity Employer

At Subbyx, we're proud to be an equal-opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless — for instance — of race, color, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!

Hiring process

1. Step 1 – Call with our Talent Acquisition Team: A first chat of 30–40 minutes to get to know you! Tell us about your experience, your motivation, and why you're the right fit for us.
2. Step 2 – Technical evaluation video interviews: A video call where you can convince us of your hard skills and the technical expertise you’ve acquired. Do you have any particular projects to share? We can't wait to hear it.
3. Step 3 – Final in-person meeting in our office: Come visit us at our office, meet the team in person, and confirm that you have the right mindset to join Subbyx!

Job Details

• Finance
• Full-Time
• Permanent

General information

Name*

Surname*

...*

Current country*

Show us your work

CV/Resume*

Type here

What is your level of proficiency in English?

What is your level of proficiency in Italian?

Experience

I understand that my personal data will be processed, as mentioned in Subbyx's Privacy Policy only for the purpose of reviewing my application and proceeding with the selection process.

#J-18808-Ljbffr