Senior Credit Risk Analytics Specialist

• Exposure to strategic Credit Risk and Portfolio Analytics
• Career Progression
• Work closely with senior management in a high-impact Second Line function

This role is ideal for a risk professional with a strong analytical mindset who enjoys working with credit portfolio data, identifying emerging risks, and providing independent oversight to support strategic decision-making.
Key Responsibilities

• Monitor and analyse the Bank's credit risk profile and portfolio performance.
• Perform portfolio analytics, trend analysis and identify emerging credit risks.
• Validate and challenge First Line credit risk reporting and management information.
• Review credit risk metrics, arrears, defaults, recoveries, utilisation rates and concentration risks.
• Support the validation of IFRS 9 classifications, provisioning approaches and risk reporting.
• Develop dashboards, analytical reporting and monitoring tools.
• Support stress testing, ICAAP, Recovery Planning and Risk Appetite monitoring.
• Identify data quality issues and recommend improvements.

Requirements

• Degree in Banking & Finance, Risk Management, Statistics, Mathematics or a related discipline.
• 3–5 years' experience in Credit Risk, Portfolio Analytics or Risk Analytics within Financial Services.
• Strong understanding of credit risk concepts including:
  • IFRS 9
  • PD / LGD / EAD
  • NPLs
  • Credit Underwriting
  • Portfolio Monitoring
• Experience with SQL, SAS, Python, Power BI or Tableau is highly desirable.
• Strong analytical and problem-solving skills.
• Excellent written and spoken English.