Credit Analyst

This is a remote position.

We are seeking a suitably qualified and experienced Credit Analyst to join our Data Analytics Unit. The successful candidate will play a key role in supporting data-driven decision-making by analyzing credit portfolio performance, developing analytical solutions, producing management information and generating insights to strengthen credit risk management, lending strategies and portfolio profitability.

Key Responsibilities

Credit Portfolio Analytics

• Conduct analytical reviews of the Bank's credit portfolios to identify trends, opportunities and emerging risks.
  
• Analyze customer behavior, delinquency trends, portfolio performance and lending strategies.
  
• Conduct statistical analysis, business investigations and ad hoc research to support strategic initiatives.
  
• Identify opportunities to improve lending policies, portfolio management strategies and customer experience through analytics.
  

Management Information & Reporting

• Develop and maintain recurring management, Board Committee and regulatory reports within agreed service levels.
  
• Produce historical portfolio performance reports, trend analyses and management information.
  
• Prepare executive-ready presentations and communicate analytical findings and recommendations to senior management.
  

Data Analytics & Solutions

• Extract, cleanse, transform and validate data from multiple internal and external sources.
  
• Develop automated analytical solutions using modern data tools to improve reporting efficiency.
  
• Support the development and monitoring of credit scorecards.
  
• Monitor portfolio data and conduct quality checks to ensure accuracy and completeness.
  
• Assist with data governance initiatives by promoting data quality, consistency and adherence to analytical standards.
  

Business Partnership & Innovation

• Collaborate with Credit Risk, Business Banking, Retail Banking, Finance, Information Technology and other business units to deliver analytical solutions.
  
• Leverage Artificial Intelligence tools responsibly to improve productivity, automate repetitive tasks, support coding and data analysis, while maintaining appropriate governance and confidentiality standards.
  

Required Qualifications & Experience

• Bachelor's Degree in Data Analytics, Statistics, Mathematics, Computer Science, Economics, Finance, Actuarial Science, Business Analytics or a related quantitative discipline.
  
• A Master's Degree would be an asset.
  
• Minimum of three (3) years' experience in credit analytics, banking analytics, business intelligence, data science, risk analytics or a similar analytical role.
  
• Experience working with financial services data, lending portfolios or credit risk analysis.
  

Technical Expertise

The successful candidate should possess:

• Advanced Microsoft Excel skills, including Pivot Tables, Power Query, advanced formulas and data modelling.
  
• Strong working knowledge of Python, including analytical libraries such as Pandas, NumPy, Scikit-learn and Matplotlib.
  
• Experience writing SQL queries for data extraction and analysis.
  
• Knowledge of statistical analysis, predictive modelling and data visualization.
  
• Experience with Power BI or Tableau would be an asset.
  
• Strong knowledge of banking products, including personal loans, mortgages, credit cards, SME lending, commercial loans, deposits and overdraft facilities.
  
• Comprehensive understanding of the end-to-end credit lifecycle and credit risk concepts, including delinquency, NPLs, PD, LGD, EAD, provisioning, vintage analysis and portfolio segmentation.