Credit Risk Analyst

Credit Risk Analyst Millions of people across Europe are looking for better ways to build long-term wealth. We're building the platform that makes it possible. Currently we are on a journey to obtain a banking license from the European Central Bank (ECB) that will open new possibilities and help us build even more trust, which is key to long-term wealth building. We’re looking for a motivated Credit Risk Analyst to join our Risk team at Mintos. You’ll play a key role in analyzing, assessing and monitoring Lending Companies to ensure the stability and reliability of our marketplace. This is a great opportunity to develop your analytical expertise, work with international partners, and contribute to building a strong, transparent investment platform. If you’re analytical, eager to learn, and ready to make an impact in one of Europe’s leading investment platforms - we’d love to meet you! What will you do? We take risk management very seriously at Mintos in order to protect the interests of our investors. As a Credit Risk Analyst, you will become a vital part of our Credit Risk Team, playing a crucial role in monitoring and evaluating lending companies to determine their eligibility for inclusion in the Mintos marketplace. This position offers a unique opportunity to join a dynamic team, allowing you to develop and advance your career as our business continues to grow and evolve. You will: You will have the opportunity to contribute to the structuring of deals, support decision-making, and participate in due diligence and monitoring activities. Your responsibilities will include: • Support the due diligence process on loan originators across the world by performing initial financial and portfolio performance analysis; • Conduct regular monitoring of existing clients, identifying early warning signals and potential risk factors. Assist in tracking and evaluating the performance of lending companies to ensure portfolio quality and stability; • Collaborate across business channels to gather customer due diligence information and support ongoing monitoring; • Prepare initial credit and financial analyses of lending companies; • Assist in the technical execution of credit risk processes, including prospectus updates and ad-hoc analyses. • You will have the unique opportunity to explore business practices beyond Latvia in regions like Europe, Asia, Africa and Central America. Your professional skills and background: Must-haves • At least 2 years of experience in financial analysis; • Bachelor’s degree in Finance, Accounting, Business, or a related field; • Strong analytical and problem-solving skills, with high attention to detail; • Proficiency in Microsoft Excel, including data analysis; • Excellent written and spoken English communication skills; • Team player with a collaborative mindset and willingness to learn. Nice-to-haves • Interest in exploring how AI tools can be applied to improve data analysis and automation within credit risk processes; • Previous experience in an alternative lending company, banking or audit. What we offer: 💸Competitive salary and stock options. Your experience and contribution matter, and we reflect that in fair compensation. You’ll also receive equity so you can share in the value you help create. 🤹Flexibility that fits real life. We understand how important it is to stay connected with colleagues while having the opportunities to work remotely. Come to the office to collaborate and be productive side by side, work from home when you need to, and spend up to three months each year working from another country. 🌴Generous vacation policy. Rest and recovery are essential. We don’t limit vacation to the minimum required by law. Take the time you need to recharge and come back refreshed. 🧠Learning and growth. An annual €1,200 learning budget to support your professional and personal growth. Whether you want to explore something new or deepen your expertise, we’ll support you along the way. ☕Very well-equipped office. Comfortable environment matters. When in the office, enjoy the parking, showers, kitchen with snacks and drinks, massage chair, nap room and others. Proud to be recognized for fairness Mintos was recognized by Figure Baltic Advisory for fairness and equality in compensation and representation, achieving 3rd place in 2025. International team of 180+ people from 18+ countries Join a diverse team where different perspectives and experiences are valued. We work across Europe, share ideas openly, and collaborate to solve meaningful challenges together. Mintos is an equal opportunity employer. We're committed to building a diverse team and creating an inclusive workplace for everyone. If you need accommodations during the interview process, contact us at [email protected]. Department Risks Locations Riga, Latvia Monthly salary €2,500 - €2,900 Employment type Full-time About Mintos Mintos is a leading European investment platform that enables individuals to build long-term wealth by investing in a unique combination of assets, such as loans, bonds, real estate, and more, all in one place. Mintos is powered by an international team of 180+ professionals working across offices in Riga and Berlin. The company fosters a culture of collaboration, openness, innovation, and flat hierarchies - offering a dynamic, high-impact environment where every team member has the opportunity to grow and shape the future of investing. Founded in 2014 Co-workers 180