Novicap is a European Fintech focused on providing end-to-end working capital solutions to SMEs, mid-market corporates, and public administrations. Through our proprietary technology platform, we offer Credit and SaaS solutions that enable our customers to drive their business forward. In doing so, Novicap actively supports thousands of businesses to help them deliver impact for their stakeholders.

With offices in Barcelona, Madrid, London and Amsterdam, we are one of the fastest growing Fintech startups in Europe. Amazing, isn’t it?

We are currently looking for an Asset Specialist who wants to join our team. You will help us in the commercialization of our credit and technology solutions to SMEes and mid-market corporates in the Netherlands.

Sounds interesting? Keep reading! 🤓

What will you do?

Your mission will be to analyze customer applications, assess and manage the portfolio applying Novicap’s risk and operations framework.

Your mission will be to assess and manage our Netherlands portfolio, applying Novicap's risk and operations framework to the operation of our business. You will be responsible for analyzing new customer applications and recommending

In order to achieve your mission, we will divide your tasks in two different areas:

Company underwriting::

• Analyze the level of risk involved with the opening of a new facility, including a financial review of our client businesses, and their debtor and supplier relationships.

• Create and manage a smooth onboarding process for new customers

• Ongoing monitoring and management of the portfolio to identify emerging risks and opportunities, respond to customer needs, and perform day to day and annual financial reviews

• Be the first point of contact for customers

• Secure appropriate financing for portfolio companies by presenting and supporting underwriting recommendations

• Create reports for management team

Risk Policy:

• Execute risk policies and programs to understand the risk, mitigate loss and support revenue growth in Novicap’s business

• Provide subject matter expertise on the implementation of risk products and services to detect and prevent fraud

• Implement new risk/debtor policies, practices, appetites and solutions to ensure holistic understanding and management of risks according to industry best practice.

There could also be some possible additional tasks, such as:

• Manage debtor or customer default scenarios, with the support of the Risk department.

• Auditing the risk measure and status of client companies.

In doing so, you will contribute to the achievement of Novicap’s long-term growth plans 🚀

How will you do it?

With integrity, taking responsibility for your actions with the aim of fulfilling our agreements and without hiding information or misleading. Furthermore, we are aware that we can always improve and we welcome feedback, both from clients and colleagues, in order to continue to grow 🚀.

We always exceed expectations, ensuring the highest levels of professionalism, and we strive to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, putting our interests first and seeking the common good above our own interests.

Who will you be working with?

You will report directly to the Commercial Director in the Netherlands and work closely with the rest of the teams across Madrid and Barcelona. A young and dynamic team that’s waiting for you with arms open!

You are the right fit if you:

• Have strong analytical skills

• Are responsible; reliable and accurate

• Are a team player; flexible, energetic and able to perform in a rapidly changing environment

• Present yourself as a proactive person and work result oriented

• Are not afraid to think “out of the box” to solve problems

• Are eager to learn and develop yourself

• Are a dedicated problem solver with excellent interpersonal skills

• Have good writing skills

• Are organized

• Are persistent and results focused

• Have extensive multi-tasking and prioritization skills

• Have project coordination skills – on time results working with cross functional teams

• Have a Degree in Business Administration/Legal education or other relevant field

• Have a minimum of 5-10 years’ experience in a risk/asset analytics or business analyst role or equivalent, preferably within banking/financial services

• Have experience working within the fraud/risk/compliance space

• Are highly proficient in spoken and written English

What can we offer you?

• Full time job with permanent contract and competitive variable compensation directly linked to performance

• Amazing highly motivated colleagues and team members to work with

• You’ll join us for our annual company-wide events and be able to meet the rest of the team that’s distributed in Spain , when COVID allows it (health first!)

• Be part of our dynamic, international working environment, with a flat hierarchy and open communication between teams

• Communicate better with colleagues by joining free English or Spanish classes if you need them

• Running club!

• Library with plenty of books to choose from. If you can't find anything, let us know what you want and we will add it to the library!