Senior Credit Data Analyst

Milan, Italy (Hybrid)

Role Description

At Cardo AI, we are on a mission to build the best technology empowered by AI algorithms for private market investments. Our engineers don’t just make things – we make things possible. We provide infrastructure, speed, and precision to institutional investors, banks, and credit originators in solving the most challenging and complex credit investment problems.

We’re looking for a highly motivated Senior Credit Data Analyst in Milan. The ideal candidate is a well-organized and data-driven individual who has a deep understanding of credit assessment and data analysis.

As a Senior Credit Data Analyst, your mission will be to:

  • Analyse loan portfolios and propose appropriate solutions to data integration challenges with a strategic approach.
  • Support the definition and ongoing management of target data architecture for Cardo AI’s applications with focus on standards and performance.
  • Learn and understand in detail many different product types within the private debt industry as well as the different risk characteristics associated with each product.
  • Own and ensure error free and smooth delivery of data across every Cardo AI’s product suite and model deliverables to various DB environments.
  • Operate as the bridge between the engineering and finance teams, contributing to a variety of integral processes that drive Cardo AI on a daily basis.
  • Get direct exposure to high-level contacts at hedge funds, banks, and asset originators, providing valuable insights to help them answer complex questions.

What We Think You’ll Need To Be Successful:

  • Background in Quant Finance, Statistics, Math or Engineering
  • 3+ years of experience in the Banking, Financial/ Management Consulting sector.
  • Experience in Python, SQL, and relational databases
  • Strong skills in the area of quantitative analysis including the ability to manage and analyze large datasets
  • Knowledgeable about credit. You understand how investors evaluate loan portfolios and the complexities of amortization, prepayments, default, and recoveries.
  • Able to understand new credit products like buy-now-pay later, revenue-based financing, inventory finance, etc., and translate the business logic of credit investment products and quantitative financial metrics (return, loss, etc.) into python code
  • Proactive mindset, self-motivated, tenacious, and able to work with a high degree of independence

We Offer:

We think Cardo AI is a great place to work – We’re a rapidly growing scale-up so it’s not perfect but:

🤸 We’re flexible: We encourage remote working and offered flexible working hours before COVID and we’ll keep that flexibility afterward.

📚 Learn and get promoted: Join us at the start of our journey – we’re growing quickly and believe in promoting from within. You can learn and grow your career here. We also provide a dedicated training development budget to help you grow.

💰 Competitive base salary + Performance based bonus paid every 6 months

🌟 Enjoy yourself: We give everyone a yearly welfare budget

🏠 Added bonus: Stock option plan.

🎉 Fun culture with regular socials and company retreats twice a year.

📨 Generous referral scheme

🍫 Free office fruits, water, and espresso coffee!

At Cardo AI:

We help institutional investors and credit originators manage private debt investments through next-generation technology and data science. Our mission is to bring transparency, efficiency, and artificial intelligence to the world’s private fixed-income market. We are specialized in the alternative lending asset class, such as peer-to-peer lending, real estate crowdfunding, and invoice trading.

Private debt markets are challenging and fragmented. No common standards on asset classes and no trading protocol exist. Due diligence, data treatment, risk analysis, reporting, and monitoring require a lot of effort and expertise.

With Cardo AI technology and artificial intelligence algorithms, institutional investors will have one source of truth with standardized and normalized data, single deal transparency, a smart allocation system, portfolio creation functionality, reporting, and monitoring to external investors and regulatory bodies.

Join our growing fintech

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Our Offices
  • Milan:
    Via Monte di Pietà 1A, Milan, Italy
  • London:
    40 New Bond St, London W1S 2DE, UK
  • Tirana:
    Office 1: Rruga Adem Jashari 1, Tirana, AL
    Office 2: Blvd Zogu I, Tirana, AL
  • Prishtina:
    Street Musa Tolaj, Lam A, Entry 2/104, Prishtina, Kosova

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