Admission Models Analyst

Are you looking to develop your talent and find a place where your effort is recognized? We offer a dynamic, close-knit environment with a future. Here, every day is a new opportunity to learn, grow, and shine. Imagine being part of a diverse team where evolution and customer service are our priority. At El Corte Inglés, our work is a shared passion.

At Financiera El Corte Inglés, our team shares a clear goal: to be the reference in payment methods and consumer financing, driven by cutting-edge technology and an approach based on joint collaboration.

If you are looking for an environment where you can reach new goals and make a difference, we invite you to explore what we can offer you.

The project waiting for you.

Manage the customer admission and monitoring processes, taking into account the company's risk appetite and the evolution of risk—its improvement or deterioration—within each customer typology or segment and for each of the financial operations performed; define and implement Credit Management Policies; and develop risk campaigns and limit pre-assignment for each type of campaign and product, while supporting the Business in the company's strategic development.

Main duties and requirements.

• Execute process reengineering in admissions, increasing automation, adapting them to new entry channels, and implementing new tools to strengthen decision-making.
• Maintain and parameterize the automatic credit operations decision tree (TRIAD FICO).
• Develop and supervise risk score and consumption propensity models, carrying out their update and improvement.
• Perform the monitoring and improvement of limit assignment processes for the various financing lines.
• Carry out portfolio segmentation and analysis for new products and special pre-authorized campaigns within different commercial actions.
• Design and implement credit granting strategies.
• Perform activity monitoring and risk assessment for each product, along with Expected Losses, to serve as analysis for establishing product pricing and campaigns.
• Present the evolution of the unit's activity in the various Committees, with the aim of providing accurate and up-to-date information to facilitate decision-making.