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Credit & Portfolio Analyst

Credit & Portfolio Analyst

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We are excited to announce our partnership with Varengold Bank AG. Varengold Bank AG is a German bank that was founded in 1995. They have offices in London and Sofia, but are at home in Hamburg. The core business areas are Marketplace Banking and Commercial Banking.

Especially in Marketplace Banking, they see tremendous growth potential, because too many people and companies still have no access to capital or even banking services. Varengold considers it their fundamental job as a bank to help change that. They believe that the best way to do so is by supporting peer-to-peer (P2P) credit platforms in growing their businesses.

Join and help them become THE bank for the marketplace lending industry and a preferred partner of FinTechs by being fast, technology-driven, and solution-oriented.



In this role, you will quickly take on responsibility after a structured induction. In addition to the independent risk monitoring of the existing portfolio, this includes the following tasks:

  • Independent preparation of credit proposals as well as presentations to the credit committee.
  • A thorough analysis of loan tapes and collateral assessment for various asset classes.
  • Responsible execution of detailed cash flow and return analysis.
  • Constant further development of analysis and evaluation methods.


  • Completed bachelor’s degree in a relevant discipline (e.g. Finance; Banking;).
  • At least three years of relevant professional experience in the above field of activity.
  • Knowledge of the basic requirements for the lending business of banks in accordance with the Banking Act, MaRisk, and CRR.
  • Excellent knowledge of MS Excel for complex analytical tasks.
  • Very good written and spoken Bulgarian and English.
  • Ability to articulate complex issues in spoken and written form.
  • Analytical understanding and a high degree of self-organization.


  • The chance to become part of a successful bank with a clear mission that is worthy of support.
  • Flat hierarchies ensure that decisions are quickly put into practice.
  • A company culture that supports personal development and combines the energy and outside-the-box thinking of FinTechs with the business-mindedness and respectability of a bank.
  • Competitive fixed and performance-related pay, as well as numerous other benefits.

Have we sparked your interest and the job suits you?
We look forward to receiving your application!
Let’s shape the future of banking together!

If you are ready to take up the challenge, please send us your CV in English.
Please note that only short-listed candidates will be contacted.

Your personal information will be used only for the purpose of the recruitment process and will be treated with confidentiality and respect. Confidentiality is guaranteed and protected by law. Horizons owns license No 2118 from 27.09.2016.

Horizons is a leading recruitment company with over 18 years of experience in the local market. Our team consists of business-oriented consultants with industrial specialization, a professional understanding of the business trends, and a pro-active approach towards recruiting and hiring through different methodologies and innovations.

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