Senior Risk Analytics Specialist

• Provide independent second line oversight of the Bank's credit risk profile, ensuring exposures remain within approved risk appetite and regulatory expectations.
• Monitor and analyse credit portfolio performance, identifying trends, concentrations and emerging credit risks.
• Validate and reconcile credit risk data from multiple sources, including arrears, defaults, recoveries, utilisation, delinquency trends and portfolio analytics.
• Review and challenge first line credit risk reporting to ensure accuracy, completeness and suitability for management decision‑making.
• Validate regulatory and internal credit risk reporting, including default classifications, IFRS 9 assumptions, impairment, provisioning, forbearance and Significant Increase in Credit Risk (SICR).
• Investigate portfolio vulnerabilities, control weaknesses, adverse trends and data quality issues, escalating material findings where appropriate.
• Develop and enhance credit risk dashboards, reporting tools and management information to support effective oversight.
• Track remediation actions arising from portfolio reviews, risk assessments and second line challenge.
• Support thematic reviews, control testing, stress testing, ICAAP, Recovery Planning and Risk Appetite monitoring activities.
• Contribute to the continuous enhancement of the Bank's credit risk framework and analytical capabilities.

• Tertiary qualification in Banking & Finance, Statistics, Mathematics, Risk Management or another quantitative discipline.
• 3–5 years' experience in credit risk management, portfolio analytics, data analytics or a similar analytical role within retail lending or banking.
• Strong analytical and quantitative skills with experience interpreting credit portfolio performance and translating complex data into meaningful management insights.
• Experience using analytical and reporting tools such as SQL, SAS, Python, Power BI or Tableau.
• Good understanding of credit risk concepts including PD, LGD, EAD, NPLs, IFRS 9, loan staging, impairment provisioning and forbearance.
• Experience reviewing or challenging credit risk strategies, lending models or first line reporting from a second line perspective is highly desirable.
• Working knowledge of CRR/CRD, EBA Guidelines and IFRS 9.
• Experience with credit card or unsecured retail lending portfolios will be considered an advantage.

Demonstrates expertise in credit risk management and portfolio analytics, with strong analytical skills to interpret credit performance and enhance reporting tools. Proficient in regulatory compliance and risk assessment methodologies, ensuring alignment with industry standards.

• Credit Risk Management
• Portfolio Analytics
• SQL
• IFRS 9
• Data Analytics

• Credit Risk Analysis
• Quantitative Analysis
• Data Interpretation
• Credit Portfolio Performance
• Risk Appetite Monitoring
• Impairment Provisioning
• Credit Risk Reporting
• Statistical Analysis
• Credit Risk Framework Development
• Control Testing

• Analytical Skills
• Attention to Detail
• Problem Solving
• Communication Skills
• Collaboration

• Banking
• Retail Lending
• CRR/CRD
• EBA Guidelines
• NPLs
• PD
• LGD
• EAD
• Loan Staging
• Forbearance

• SAS
• Python
• Power BI
• Tableau