Risk & Structuring Analyst

PaveNow: Job Description – Risk & Structuring Analyst

About PaveNow

Designed for Entrepreneurs. Built by SME Owners.

At PaveNow, we are on a mission to empower SMEs in Poland and across Central Eastern Europe, the true engines of our economy. We recognize that financial management is a critical hurdle for small businesses, so we are changing the narrative.

We are building an innovative solution that combines accessible capital with smart automation tools. By helping growing SMEs secure funding while streamlining their workflows, we enable them to reduce costs and unlock higher profits.

We are not just another startup. PaveNow is part of a private investment group with investors from New York and Singapore—holding diversified businesses with over 30 years of operation and a combined revenue of over US$3.5Bn. This gives us the agility of a fintech with the backing of a group that owns a commercial bank in CEE.

Role Overview

We are looking for a technically strong and commercially minded Risk & Structuring Analyst to join our team in Warsaw. While our Business Analysts act as a general hub, this role is a specialized position focused on the core of our lending business. You will play a pivotal role in assessing credit risk, structuring financial solutions for SMEs, and ensuring our portfolio remains healthy.

This is a unique opportunity to build a transformative fintech product from the ground up while applying advanced financial knowledge in a real-world setting.

Key Responsibilities – Things You Will Do

• Credit Risk Assessment & Financial Modelling:
  A Take ownership of the comprehensive assessment of credit risk for potential SME clients. Analyze financial statements (P&L, Balance Sheet, Cash Flow) to determine debt service capacity. Build and maintain robust financial models to stress-test borrower performance under various economic scenarios.

• Deal Structuring:
  Work closely with the Sales team to structure lending solutions that meet client needs while adhering to PaveNow's risk appetite. Propose specific loan terms, covenants, and collateral structures to mitigate identified risks. Prepare investment memorandums and present recommendations to the Credit Committee.

• Portfolio Monitoring & Analytics:
  Monitor the health of the existing loan portfolio and identify early warning signals. Support the leadership team with market intelligence regarding economic conditions that may impact credit quality. Assist in refining credit procedures and automating risk workflows to improve operational efficiency.

• New Product Development:
  Collaborate with leadership to design the risk parameters for new lending products. Build and refine the financial models that determine our internal credit scoring and risk appetite.

Our Selection Criteria

• Must possess
  one of the following:
• CFA Level 1 (or higher) passed OR MBA in Finance (completed).
• Work experience of at least 2 years in similar role
• Bachelor's degree in Finance, Economics, or a related quantitative field.
• Excellent proficiency in Excel (financial modelling) and PowerPoint.
• Strong communication skills in English (B2+ level)
• Highly developed analytical and problem-solving skills, with the ability to draw logical conclusions from data.

Values

• Proactive Ownership
  : A motivated individual who can work independently and manage tasks with commitment
• Learning Mindset:
  A strong desire to learn about fintech innovation, market trends, and business analysis.

Bonus Points – We'll Be Extra Excited If You

. Have previous internship or professional experience in credit risk, investment banking, private debt, or a rating agency.

· Have professional working proficiency in Polish.

·  You are willing to join Sales in speaking with real customers and distribution partners to understand their pain points, using those insights to help us design better financial products.

Role

• Role type:
  Full-time, Hybrid.
• Location:
  Warsaw, Poland.
• Salary:
  We offer a competitive starting salary.
• Employment on B2B contract.

The Selection Process:

• Interested candidates should submit a resume.
• Shortlisted candidates will proceed through a case study and 1-2 rounds of interview.

PaveNow is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.