Credit Risk Analyst (Portfolio Strategy)

• 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

• 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

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