Risk

Credit Risk Officer - Financial Services in Brussels

One of our client in the financial services is actively looking for a Credit Risk in Brussels.

A fast-growing financial services company active in consumer finance is looking for a Credit Risk Analyst to strengthen its Risk Department.

Operating in an innovative and highly regulated environment, the company develops digital financing solutions while maintaining a strong focus on responsible lending, customer protection, and sustainable growth.

Your Role

As a member of the Risk team, you will play a key role in defining, monitoring, and optimizing credit risk policies across the organization.

You will contribute to balancing business development objectives with prudent risk management by analyzing portfolio performance, improving decision-making processes, and ensuring that risk frameworks remain efficient and adapted to market developments.

This position combines data analysis, risk strategy, operational implementation, and stakeholder collaboration.

Role

Credit Risk Strategy & Policy

Design, review, and enhance credit acceptance policies and decision-making frameworks
Develop methodologies, rules, and tools aimed at optimizing credit granting processes
Support the implementation of policy changes within operational teams
Ensure risk appetite remains aligned with business objectives

Portfolio Monitoring & Analysis

Analyze portfolio performance and identify emerging risk trends
Produce regular reporting and recommendations for management and executive committees
Define and monitor key risk indicators across the customer lifecycle
Provide data-driven insights to support strategic decision-making

Decision Engines & Process Optimization

Contribute to the continuous improvement of automated decision systems and scoring models
Evaluate the effectiveness of existing risk tools and propose enhancements
Participate in projects aimed at increasing efficiency and automation within risk processes

Internal Control & Risk Governance

Perform regular controls to identify anomalies and improvement opportunities
Monitor the effectiveness of risk policies and operational procedures
Ensure consistency and compliance throughout the credit approval process

Fraud Prevention

Contribute to fraud detection and prevention initiatives
Analyze suspicious patterns and propose mitigating actions
Collaborate with relevant stakeholders to strengthen fraud controls

Profile

Education

Master’s degree in Statistics, Economics, Mathematics, Finance, Actuarial Sciences, or a related analytical field

Experience

Minimum 5 years of experience within:
Credit Risk
Risk Analytics
Credit Policy
Consumer Finance
Banking or Financial Services

Technical Skills

Strong analytical and quantitative capabilities
Ability to extract, interpret, and present complex data
Advanced Excel skills
Experience with reporting and analytical tools (Business Objects or similar)
Understanding of credit decision processes and risk management frameworks

Soft Skills

Autonomous and proactive
Strong problem-solving mindset
Excellent analytical and synthesis skills
Ability to challenge existing processes and propose improvements
Strong communication and stakeholder management abilities
Consensus-driven while maintaining a critical perspective

Offer

Competitive salary up to 90k gross annually depending on your level of experience
Extra legal benefits such as company car, insurances, net allowance, bonus
Opportunity to influence key risk decisions and business strategy
Dynamic environment combining innovation, data, and financial services
Ongoing coaching and professional development opportunities
Exposure to strategic projects and process transformation initiatives
Collaborative culture with strong entrepreneurial spirit

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