Credit Analyst/ Senior Credit Analyst (Currently Resident in Malta/ With Valid Work Permit or EU Passport)

The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta
Hours per week
40 hours
Education level
Higher Education
We are seeking a 'Credit Analyst' or 'Senior Credit Analyst' with a technical background, to shape all aspects of Credit Card Strategy. Play a key role in building a new Credit Risk Strategies for a maturing Credit Card portfolio. Developing an infrastructure of Data, Reporting & Analytics, to underpin Credit Optimisation & support Product growth.


  • Drive Credit Risk Strategies & Performance at both customer acquisition and customer management stages. Including cut-off setting, initial-line-assignment, affordability, authorisation & line management (increase/ decrease) programs. 
  • Perform ad hoc and regular analytics on key risk indicators; tracking variance to plan and informing above noted strategy setting. 
  • Develop an improved management information suite, covering risk appetite. With a dynamic capability to review live tests and interrogate trends. 
  • Influence the Credit Risk messaging across the business; opportunity to discuss on-going performance and propose value add strategies to bank committee(s). 
  • Work closely with various bank teams, including Finance, Operations and Decision Science areas. 
  • Generate enhanced documentation outlining credit risk processes, including consideration of (changing) regulatory standard. 
  • Input into Collections & Recoveries, and Fraud strategies.
  • Facilitate growth plans by delivering effective & timely Credit Solutions, with consideration of continuous improvement and customer experience.

Skills / Experience:

  • 2+ years’ experience within Credit/ Banking or a similarly analytic role
  • Bachelor’s or master’s degree in a quantitative/ numerical discipline. 
  • Problem solving and analytical (useful: SAS/ SQL/ Python or similar).
  • Data visualization and dashboarding (useful: Tableau/ Power BI)
  • Exceptional communication and organisation skills.
  • Ability to manage time and prioritise work.
  • Pro-active outlook and desire to innovate.
  • Experience with credit cards or other retail lending products (e.g. loans, current accounts or mortgages) is preferred but not essential. 

*This role will be based in Malta.*

Excellent Salary + Benefits + Bonus

We Are Keen to Meet You! Please Apply Now and our 'Recruitment Team' will reach out to you directly.