Credit / Data Analyst (Currently Resident in Malta / With Valid Work Permit or 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: www.novumbankgroup.com