Job Description

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.Powered by our Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, reflecting strong financial growth. With 700+ employees across 25 countries, we’re shaping the future of finance in 17 markets. Founded in 2005 in Finland, Multitude is listed on the Frankfurt Stock Exchange (MULT).We’re looking for a Senior Data Analyst to drive insight and strategy across our collections and recovery operations. You will be responsible for the data analysis, reporting, and insight generation that optimize repayment performance, improve customer outcomes, and enhance portfolio profitability.Your focus:

• Lead analytics for collections performance, portfolio segmentation, and recovery optimization.
• Build and maintain dashboards, KPIs, and automated reports for collections and risk teams.
• Analyze delinquency, roll rates, repayment patterns, and behavior trends to identify actionable insights.
• Partner with operations, risk, collection process analysts, and data engineering teams to improve data accuracy and analytical capabilities.
• Evaluate treatment strategies, collection campaigns, and A/B tests to measure performance and recommend improvements.
• Support advanced analytics and predictive modeling initiatives in collaboration with the Data Science team.
• Ensure consistent data quality, governance, and documentation across data processes.

Required skills & qualifications:

• 3+ years of experience in data analytics, ideally within financial services, fintech, or debt collections.
• Advanced SQL proficiency; experience with Python or R for data analysis and automation.
• Strong knowledge of BI tools such as Power BI, Tableau, or Looker.
• Solid understanding of collections KPIs and lifecycle metrics.
• Experience handling large datasets and working in cloud-based data environments.
• Excellent communication and data storytelling skills, with the ability to translate data insights into business actions.
• Strong analytical mindset, attention to detail, and problem-solving orientation.

We offer:
At Multitude, we believe in empowering our employees to thrive personally and professionally. Here's what you can look forward to:

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture
• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe
• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement
• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards
• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive
• Wellbeing Benefit – receive an annual allowance to support your physical and mental wellbeing
• Private Health Insurance – access comprehensive medical coverage to support your health
• Weekly Office Breakfast – enjoy a fresh start with breakfast at the office

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