About the role
Your new team: Are you ready to shape how a fast-growing fintech scale-up sees the future of its portfolios? At auxmoney, you will join one of the leading fintech companies in Europe as part of the groupwide Finance team, taking ownership of asset modelling for our consumer loan portfolios while working hand in hand with the Credit Risk department. You will own the models and analytics that turn repayment patterns, delinquencies, cures, prepayments, and macro scenarios into forecasts the business can plan with and into clear explanations of why the numbers move. This role combines analytical depth with real business impact in a dynamic, data-driven, tech-led organization. What you can expect: Own forecasting models: You take full responsibility for the forecasting of our unsecured consumer loan portfolios. You own models, build and enhance them on an ongoing basis Run and improve monitoring: You track portfolio performance against forecast, surfacing drift, instability, and early warning signals, going beyond dashboards into real diagnosis of what is changing and why. Lead attribution analysis: You decompose actual-versus-forecast variances into their drivers, mix and volume, cohort composition, credit policy and product changes, macro, and collections performance and turn them into clear narratives stakeholders can act on. Build stress-testing and scenarios: You translate macro and business assumptions into portfolio-level outcomes that support planning and strategic decisions. Ensure governance and reproducibility: You own model documentation, assumptions, limitations, validation checks, change logs, and reproducible runs, keeping standards high in a scaling environment. Improve data and pipelines: You work with reporting to strengthen data quality, robust features, automation, and alerting. Your profile Strong modelling background: You bring solid experience building credit portfolio or asset performance models in banking, fintech, or consumer finance, with a track record of forecasting, monitoring, and attribution work. Technical excellence: You have hands-on command of Python and SQL and are comfortable with statistical, econometric, and where appropriate machine-learning methods with the judgement to keep models as simple as possible, but no simpler. IFRS 9 awareness: You understand IFRS 9 / ECL concepts (staging, lifetime vs. 12-month horizons, scenario thinking) well enough to collaborate effectively with experts and keep your models compatible. Comfort with real-world data: You know how to define defaults, construct cohorts, manage backfills, and you stay pragmatic when data is imperfect. Clear communicator: You explain modelling choices to non-modellers calmly and clearly, without hiding behind jargon, and you turn analysis into decisions. Fintech and innovation driven: You are motivated by a tech-led, entrepreneurial environment and committed to continuous improvement. What we offer: Flexibility for Your Lifestyle: Enjoy family-friendly working hours and a generous home office policy, allowing you to stay agile and flexible in any situation. Ergonomic Work Environment: For your office days, we provide ergonomic workstations that offer you a comfortable and healthy workspace. Independent Work: With short decision-making paths, we enable you to work autonomously and actively contribute your ideas – we provide space for you to take on responsibility. Grow with Us: Unlock your potential with numerous opportunities for growth and development, along with an annual development budget to help you achieve your professional and personal goals. Team Spirit: Team spirit is important to us – we regularly host events and parties where fun is guaranteed. Mobility Your Way: Whether you prefer a train ticket or parking – we support your choice of preferred mobility. Stay Active: Keep fit with a discounted membership at Fitness First or Urban Sports Club, or use our in-house fitness room to stay active after work and enhance your work-life balance. Secure Your Future: Think about your future – we offer subsidies for company pension plans so you can plan long-term with us. Tailored