Credit Risk Analyst Surety (AI)

Location: Madrid, Spain; hybrid work with an expectation to be in the office at least three days per week

Salary: €42,000–€70,000 base salary per year for a full-time role, plus potential performance-based annual bonus

Company

hirify.global Corporate Solutions is the commercial insurance arm of hirify.global, providing insurance and risk-transfer solutions to large and midsized multinational corporations.

What you will do

• Perform in-depth credit analysis and internal rating assessments of corporate obligors across industries and geographies.
• Evaluate financing structures and transaction risks, recommend credit limits, and provide actionable recommendations to underwriters.
• Monitor existing exposures, identify deteriorating risks, and recommend watchlist or mitigation actions.
• Deliver portfolio insights covering sector trends, concentration risks, and market developments.
• Collaborate with underwriting, risk management, actuarial, and other global stakeholders.
• Improve credit processes and contribute to AI-, data-, and technology-enabled transformation initiatives.

Requirements

• 6–10 years of experience in credit analysis and credit-related work.
• Relevant business degree and/or postgraduate qualification such as an MBA, CFA, or Chartered Accountant qualification.
• Strong quantitative and analytical skills, financial spreading, financial projections, and credit application document handling.
• Knowledge of global macroeconomics, financial markets, and credit-related products.
• Good command of English, Spanish, and German is required.
• Ability to assign and defend independent credit opinions and risk ratings while managing multiple priorities and deadlines.

Nice to have

• Knowledge of corporate loans, structured financing, and surety bond products.
• Experience assessing complex corporate groups, ownership structures, subsidiaries, or agency rating methodologies.
• Credit analysis experience with asset or fund managers and private equity or venture capital firms.
• Risk analytics, quantitative credit analysis, or digital transformation project experience.
• Good command of French or Italian, database management knowledge, and strong Excel skills.

Culture & Benefits

• Hybrid work model with regular office collaboration in Madrid.
• Potential performance-based annual bonus in addition to base salary.
• Inclusive workplace focused on equal opportunities, professional development, fresh perspectives, and innovative thinking.
• AI-powered tools may support application review, with final hiring decisions reviewed by people.