Kamuno is a young fintech company and, as an independent subsidiary of the Urner Kantonalbank, already well established. We are rethinking SME financing and aim to revolutionize the Swiss financing market in the medium term. With an innovative financing solution, a strong network, and together with strategic partners, we support SMEs in Switzerland with their financing needs. We have a digital onboarding process and are focused on streamlining our credit decision-making to provide efficient and cost-effective financing solutions.
Role Overview:
The Senior Credit Risk Analyst will be responsible for evaluating SME credit applications and proposing credit decisions based on a thorough analysis. The ideal candidate will have a strong understanding of SME financials, experience in credit analysis, and a keen eye for identifying potential risks and fraud attempts.
Department: Risk
Job location: Altdorf / up to 3 days Remote
Direct report: CRO
Contract: Internal employee 80%-100%
Key Responsibilities:
Analyze balance sheets, profit and loss statements, and other data to assess the creditworthiness of SME applicants.
Propose credit decisions based on a comprehensive risk assessment.
Identify and flag any potential fraud or suspicious activity in credit applications.
Collaborate with the risk and operations team to refine and improve the underwriting process, including entering data into the system as needed.
Collaborate with cross-functional teams to optimize AI models as part of the loan underwriting process.
Qualifications:
Strong understanding of SME financial statements and credit analysis.
Experience in underwriting or financial analysis.
Analytical mindset with a strong capability to assess credit risks and identify irregularities.
Excellent attention to detail and ability to provide clear, well-documented credit proposals.
Excellent collaboration skills to work effectively with cross-functional teams and external partners.
Well organised, team player and self-driven.
Excellent communication in English. German, French or Italian is a plus.
What we offer you:
The opportunity to build and further develop a new business area with a professional and motivated team.
A flexible and dynamic working environment – open company culture.
Modern office spaces and the possibility to work in a hybrid setup.
Opportunities for professional development.
Good social and fringe benefits.
If you are the right person for this role, please send us your resume and a few lines about why you would be a good fit to the following email address: partners@kamuno.ch
Seniority level Mid-Senior level
Employment type Full-time
Job function Finance and Sales
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