Credit Analyst

This is a fully remote position, open to applicants in Jamaica.

📋 Description

• Perform analytical evaluations of the Bank's credit portfolios to uncover trends, opportunities, and emerging risks.

• Assess customer behavior, delinquency patterns, portfolio performance, and lending strategies.

• Execute statistical analyses, business investigations, and ad hoc research to support strategic initiatives.

• Identify ways to enhance lending policies, portfolio management strategies, and customer experience through analytics.

• Create and sustain recurring management, Board Committee, and regulatory reports within established service levels.

• Generate historical portfolio performance reports, trend analyses, and management information.

• Prepare presentations suitable for executives and convey analytical findings and recommendations to senior management.

• Extract, cleanse, transform, and validate data from a variety of internal and external sources.

• Develop automated analytical solutions utilizing modern data tools to enhance reporting efficiency.

• Assist in the development and monitoring of credit scorecards.

• Supervise portfolio data and conduct quality checks to ensure accuracy and completeness.

• Support data governance initiatives by fostering data quality, consistency, and adherence to analytical standards.

• Collaborate with Credit Risk, Business Banking, Retail Banking, Finance, Information Technology, and other business units to deliver analytical solutions.

• Utilize Artificial Intelligence tools responsibly to enhance productivity, automate repetitive tasks, assist with coding and data analysis, while upholding governance and confidentiality standards.

⛳️ Requirements

• Bachelor's Degree in Data Analytics, Statistics, Mathematics, Computer Science, Economics, Finance, Actuarial Science, Business Analytics, or a related quantitative field.

• At least three (3) years of experience in credit analytics, banking analytics, business intelligence, data science, risk analytics, or a similar analytical position.

• Experience with financial services data, lending portfolios, or credit risk analysis.

• Proficient in Microsoft Excel, including Pivot Tables, Power Query, advanced formulas, and data modeling.

• Strong working knowledge of Python, including libraries such as Pandas, NumPy, Scikit-learn, and Matplotlib.

• Experience in writing SQL queries for data extraction and analysis.

• Familiarity with statistical analysis, predictive modeling, and data visualization.

• Solid understanding of banking products, including personal loans, mortgages, credit cards, SME lending, commercial loans, deposits, and overdraft facilities.

• Comprehensive knowledge of the end-to-end credit lifecycle and credit risk concepts, including delinquency, NPLs, PD, LGD, EAD, provisioning, vintage analysis, and portfolio segmentation.

🏝️ Benefits

• Permanent contract

• Remote work arrangement