We are looking for a
Credit Risk Analyst
to join our
Portfolio Strategy
team and help us keep our retail credit portfolio balanced across risk, return, and capital use. You will be an independent partner to the Product and Underwriting teams, turning analysis into practical recommendations that shape how we grow.
Our ways of working
:
Innovative Spirit
: a commitment to creativity and groundbreaking solutions
Honest Feedback:
valuing open, transparent communication
Supportive Team:
a strong, collaborative community
Celebrating Achievements:
recognizing our wins together
High-Tech Environment:
a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances
Challenges that await you:
Ensure the bank's retail credit portfolio fits its business model, takes the right level of risk, and earns an appropriate return
Provide independent oversight and challenge to Product and Underwriting teams on portfolio strategy, risk selection, and pricing
Monitor portfolio performance and competitors, and recommend changes to improve the balance between risk, return, and capital use
Calculate and monitor credit loss provisions
Help optimize the capital consumed by the portfolio
What makes you a great fit:
Strong understanding of retail credit risk, portfolio management, and credit risk strategies
Knowledge of credit loss provisioning under IFRS and US GAAP
Understanding of how banks operate, capital adequacy, and credit risk RWA calculations
Ability to assess and improve portfolio performance through risk, return, pricing, and capital use
Ability to challenge business and underwriting decisions and turn analysis into practical recommendations.
Good knowledge of SQL
B1 or higher English level for effective communication with an international team
Our benefits
:
Relocation support
to one of our hubs with assistance for the employee and their family
Flexible work
from one of our offices
Healthcare Coverage
Education Budget:
Language lessons, professional training and certifications
Wellness Budget:
Mental health and fitness activity reimbursements
Vacation Policy:
Annual leave and paid sick leave as per applicable policies