Credit & Portfolio Analyst - Private Credit & Structured Finance

About the role

Cardo AI builds a platform for private credit and asset-based finance, helping banks, trustees and investors grow their portfolios. As a Credit & Portfolio Analyst, you will execute structured credit transactions across asset classes, reporting to the Head of Client Integration and working with financial institutions, alternative investors and internal teams.

Key responsibilities

• Analyse securitisation and asset-based lending structures, extracting insights from reports, legal documentation and transaction mechanics.
• Work with large datasets in Excel, mapping data sources to Cardo AI's financial models and producing structured outputs.
• Use SQL to query and explore financial data, supporting analysis and reporting (training provided).
• Map loan tapes, servicing reports and borrowing base files to the company's standard data models, resolving differences in fields, granularity and format.
• Translate transaction mechanics into the platform, modelling waterfalls, eligibility criteria, borrowing base tests and performance triggers.
• Act as a point of contact for financial institution clients, delivering tailored solutions and communicating findings clearly.
• Collaborate with Customer Success, Product and Engineering teams to ensure smooth process implementation.

Required profile

• 1 to 3 years of experience in banking, financial services or audit, with exposure to financial data, credit analysis or client-facing work.
• Excellent communication skills in Albanian and English, with a strong interest in client relationships.
• Proactive, problem-solving mindset and eagerness to learn in a fast-paced environment.

Required skills

• Strong Excel proficiency (data modelling, pivot tables, financial analysis)
• SQL experience is a plus, with training available

What we offer

• Competitive local compensation with flexibility based on experience and seniority
• Comprehensive benefits plan and generous paid time off
• Structured onboarding and continuous learning, including training on fintech, SQL and structured finance
• Career growth opportunities in a fast-scaling international fintech company