Senior Credit Analyst

The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta
Hours per week
40 hours
Education level
Higher Education
This is an opportunity for an experienced Credit Risk Analyst, with a technical background, to shape all aspects of credit strategy.

The successful role holder will report directly to the Head of Credit and will be responsible for building credit risk strategies for a maturing credit card portfolio. Developing an infrastructure of data, reporting & analytics, to underpin credit optimisation & support product growth.

This role is for a private credit institution that operates under, and applies, the European Union banking regulatory framework. With ambitious plans to launch and grow a (retail) credit card portfolio, underpinned by profit and technology from established existing products.

Main areas of responsibility:

  • Take ownership of credit risk strategies at both customer acquisition and customer management stages. Including cut-off setting, initial-line-assignment, affordability, authorisation & line management (increase/ decrease) programs. 
  • Accountable for leading 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. 
  • Manage the credit risk messaging across the bank; 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 and experience:

  • 4+ years’ experience within Credit Risk.
  • Bachelor’s or master’s degree in a quantitative/ numerical discipline. 
  • Problem solving and analytical (useful: SAS/ SQL/ Python or similar).
  • 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).

What we offer:
We are team players and cross-functional collaborators – we do not have limits when it comes to getting the job done. There are many options for you professionally and personally. We invest in our employees with lucrative pay, a distribution package, regular cocoa/ coffee/ fruit and even a beer on Friday. Having a focus on your personal and professional development. We encourage innovation and always involve our dedicated employees – we celebrate success. We are an inclusive, multicultural community characterized by high diversity and with many different nationalities represented.