Senior Credit Risk Analytics Specialist – 2nd Line (Malta/EU)

About the role

We are seeking a Senior Credit Risk Analytics Specialist to lead our Second Line credit risk oversight. Based in Malta (or any EU passport holder), you will develop data‑driven reporting, validate risk metrics and provide independent insights to senior management and the board.

Key responsibilities

• Monitor the credit portfolio, assess variances against business plans and ensure exposures stay within risk appetite and regulatory limits.
• Analyse, reconcile and validate credit risk data from source systems, including arrears, defaults, recoveries, credit‑card utilisation and off‑balance‑sheet exposures.
• Perform detailed portfolio and trend analysis to spot emerging risk concentrations and deteriorations.
• Challenge and validate First Line risk information, ensuring completeness and accuracy for management decisions.
• Review internal and regulatory reporting, including default, SICR, forbearance, impairment classifications and IFRS 9 assumptions.
• Identify emerging risks, data‑quality issues and control weaknesses, escalating material findings.
• Develop and enhance dashboards, analytical reports and monitoring tools for effective oversight.
• Track remedial actions from portfolio reviews and support stress testing, ICAAP and recovery planning.

Required profile

• Tertiary education in Banking & Finance, Statistics, Mathematics, Risk Management or a related quantitative discipline.
• 3‑5 years of experience in credit risk management, portfolio analytics or data analytics within retail lending.
• Strong analytical, quantitative and problem‑solving abilities.

Required skills

What we offer

• Full‑time permanent contract.
• Opportunity to influence risk strategy at a growing bank.
• Collaborative environment with senior leadership exposure.