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

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

We are seeking a ‘Credit / Data Analyt with a technical background, to shape all aspects of Credit Card Strategy. Play a key role in building new Credit Risk Strategies for a maturing Credit Card portfolio. Developing an infrastructure of Data, Reporting & Analytics, to underpin Credit Optimisation & support Product Growth.

Responsibilities:

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.

Apply Here Today!

For Further Information Visit: https://www.bankdimare.com/career