Consumer & Micro Business Finance Manager


One of our clients within the banking industry is looking for a Consumer & Micro Business Finance Manager to join their growing team. The successful candidate will be reporting directly to Group Chief Retail Banking Officer.


  • Building and deepening the understanding of the bank’s retail banking client base
  • Developing and maintaining profitable lending and deposit relationships with both new and existing personal and small business clients
  • Leading business initiatives to support the department and Bank’s objectives, including the determination of the overall team structure and interaction
  • Leveraging relationships to deepen awareness of credit trends and fostering open dialogue across teams
  • Driving opportunities to understand and promote data analytics initiatives that support the department objectives
  • Influencing credit review methodology and operating processes across the department, by ensuring the methodology keeps pace with environmental changes
  • Defining and approving recruitment requirements and managing resource allocation across review execution, considering skill-set and development objectives and risk allocation
  • Sharing regulatory concerns and areas of focus to enhance team awareness
  • Engaging in industry and business forums to maintain current knowledge of the business and recommending changes when needed, whilst attending Risk Committee and other pertinent portfolio meetings regularly as may be required
  • Distinguishing and evaluating cyclical and secular industry trends, and the impact on client risk whilst serving as an information resource on consumer credit products, consumer credit risk, and policy
  • Ensuring consistent application of the Bank’s credit risk policy, credit procedures, consistency of credit review approach and compliance with methodology across the business

Skill-sets and Requirements

  • Hold previous experience in relation to balance scorecards, Bank's distribution channels, Consumer Finance product suite, Consumer Finance regulation and legislation and financing of microbusinesses
  • Excellent written and verbal communication skills in English

Education & Experience

  • An MQF level 6 Degree in Banking & Finance or a related subject; or
  • Five years in a leading position in a credit business environment; or
  • A minimum of ten years' experience in a leading position in a credit business environment

Job Reference: DU376

  • Primary job focus
  • Job type
    Full Time
  • Employment level
    Senior Management
  • Employer industry
    Financial Services
  • Languages

Banking Jobs in Malta entail the provision of financial advice to both commercial and private clients within banks and other organisations within the finance industry. Jobs in Banking within this sector include consumer and corporate lending, credit management, investment jobs and risk evaluation.

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  • Closing Date
  • Date Published
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