Credit Manager / Senior Credit Analyst (12-Month Fixed-Term)

About the role

Novumbank is looking for an experienced Credit Manager or a Senior Credit Analyst ready to step up, to help shape credit card strategy for a growing European portfolio. Reporting to the Head of Credit, the role owns credit risk strategy, performance monitoring and the development of data, reporting and analytics to support responsible portfolio growth. It is a hands-on role in a fast-moving credit environment. The position starts as a 12-month fixed-term contract, with the possibility of extension or conversion to a permanent role depending on business needs.

Key responsibilities

• Drive credit risk strategies across acquisition and customer management, including cut-offs, initial credit limits, affordability and credit line increase/decrease programmes.
• Lead regular and ad hoc analysis of key risk indicators, tracking performance against plan and using insights to inform strategy decisions.
• Develop and maintain enhanced management information covering risk appetite, portfolio performance, strategy outcomes, live tests and emerging trends.
• Provide clear credit risk updates to stakeholders and bank committees, proposing value-adding strategies where appropriate.
• Work closely with Finance, Operations, Decision Science and other teams to support business growth, customer experience and effective credit solutions.
• Enhance documentation for credit risk processes and give input into Collections, Recoveries and Fraud strategies, considering changing regulatory standards.

Required profile

• 5+ years' experience in credit risk, lending, portfolio management or credit analytics, ideally within consumer lending.
• Strong analytical and problem-solving capability, able to turn credit performance into practical strategy recommendations.
• Strong communication skills, including explaining credit risk performance and strategy to senior stakeholders.
• Good organisation skills and a proactive outlook, with strong commercial judgement balancing growth, risk and customer outcomes.
• Eligibility: resident in Malta or holding an EU passport; the role is open to candidates applying through the recruitment team.

Required skills

• Advantageous: experience with credit cards or other retail lending products.
• Advantageous: SQL, SAS, Python, Tableau, Power BI or similar analytical and reporting tools.
• Advantageous: exposure to collections, recoveries, fraud, affordability or credit line management strategies.

Candidates should send their CV in English; the recruitment team will contact them directly.