Position Overview:
We are seeking an experienced Senior Credit Analyst to support credit card strategy for a growing European portfolio.
Reporting to the Senior Credit Manager, the role will undertake portfolio analysis, monitor credit performance and support the development and implementation of credit risk strategies.
This is a hands-on analytical role in a fast-moving credit environment, with exposure to senior stakeholders and bank committees.
Duties / Responsibilities:
- Support the development, implementation and monitoring of credit risk strategies across acquisition and customer management, including cut-offs, initial credit limits, affordability and credit line management.
- Undertake regular and ad hoc analysis—including vintage, cohort, delinquency, roll-rate, loss and profitability analysis—to track performance and inform strategy decisions.
- Develop and maintain MI covering risk appetite, portfolio performance, strategy outcomes, live tests and emerging trends.
- Provide clear credit risk updates and recommendations to stakeholders and bank committees.
- Work with Finance, Operations, Data/Decision Science and other teams to support growth, customer experience and effective credit solutions.
- Maintain credit risk documentation and support Collections, Recoveries, Fraud and regulatory change.
Requirements
- 3+ years’ experience in Credit Risk, Lending, Portfolio Management or Credit Analytics, ideally within Consumer Lending.
- Practical experience using SQL, SAS, Python or similar tools to extract, manipulate and analyse customer-level data
- Strong analytical and problem-solving skills, with the ability to translate credit performance into practical strategy recommendations.
- Strong organisational skills and a proactive approach, with the ability to prioritise delivery and improve processes, reporting and decisioning.
- Strong commercial judgement, with the ability to balance growth, risk and customer outcomes.
- Experience with credit cards is strong preferred; experience in other consumer lending products will also be considered.
- Exposure to collections, recoveries, fraud, affordability or credit line management strategies.
- Experience using Tableau, Power BI or similar tools to present data and develop management information.
- Amazing to have SQL, SAS, or similar analytical/reporting tools
Benefits
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.
