(Senior) Credit & Portfolio Analyst

Varengold Bank AG
Sofia Branch
Presence / Mobile

Work experience
Fulltime
Published: 2025-11-21

(Senior) Credit & Portfolio Analyst, 1. image

WHAT YOU SHOULD KNOW ABOUT US:

Join our dynamic Credit team — a close-knit group of professionals located in Hamburg and Sofia — and take an active role in shaping our growth story. We combine analytical precision with entrepreneurial thinking to deliver strong portfolio performance and sustainable risk management. If you’re looking for a role with real impact and cross-border collaboration, this is the place for you.

YOUR RESPONSIBILITIES:

Independent preparation and presentation of credit applications to the credit committee
In-depth analysis of loan tapes and collateral valuations across multiple asset classes
Performing detailed cash flow, yield, and risk-return analyses
Continuous enhancement of analytical models, valuation methods, and reporting standards
Collaboration with portfolio management and risk teams to ensure consistent credit quality and compliance

YOUR PROFILE:

Bachelor’s or Master’s degree in economics, finance, or a related field, and at least five years of relevant professional experience in credit analysis, structuring, or portfolio management
Solid knowledge of European Regulatory framework (EBA Guidelines and CRR)
Advanced proficiency in MS Excel and experience with financial modeling or data-driven analysis
Strong communication skills in English, both written and spoken
High analytical competence, reliability, and structured work approach
Ability to translate complex financial information into clear, actionable insights

YOUR BENEFITS:

Hybrid working model with flexible use of mobile working - you decide (from) where you work.
20 days working abroad in Europe.
You enjoy 30 days of vacation per year and have 24.12. and 31.12. off all day.
Competitive remuneration package including extensive financial benefits.
Monthly Pluxee food vouchers worth 200 BGN to redeem in supermarkets and restaurants.
Flat hierarchies so that decisions can be implemented quickly and professionally.
A corporate culture that promotes personal development and combines the energy and innovation of a FinTech with the business orientation of a bank.
Always where you are - do unlimited sport throughout Bulgaria at our expense with our partner MultiSport.
Whether you come to the office by car or train - use the free parking spaces in front of the building or get a Public Transport Card subsidy from us.
Your health is important to us - we make mental well-being our priority.
We also take out supplementary insurance for medical care in hospital and for preventive check-ups.

YOUR APPLICATION:

Have we sparked your interest and the job suits you? We are happy to hear that!
Apply stating your salary expectations and your earliest possible starting date, via our online application form or by e-mail to want-to-work@varengold.de.

Let's shape the future of banking together!