Senior Risk Analytics Specialist

iTalent PLUS

Senior Risk Analytics Specialist delivering independent credit risk oversight in a highly regulated banking environment. Strengthening governance with collaborative reporting and actionable insights.

Posted 7/26/2026full-timeMalta • 🇲🇹 MaltaSenior💰 €45,000 - €55,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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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.

Highest-signal resume keywords

Credit Risk ManagementPortfolio AnalyticsSQLIFRS 9Data Analytics

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisQuantitative AnalysisData InterpretationCredit Portfolio PerformanceRisk Appetite MonitoringImpairment ProvisioningCredit Risk ReportingStatistical AnalysisCredit Risk Framework DevelopmentControl Testing

Soft Skills

Analytical SkillsAttention to DetailProblem SolvingCommunication SkillsCollaboration

Tools & Technologies

SASPythonPower BITableau

Industry Keywords

BankingRetail LendingCRR/CRDEBA GuidelinesNPLsPDLGDEADLoan StagingForbearance

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

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.

Benefits

Comp & perks

Hybrid working model based in Malta.
Opportunity to work within a highly regulated banking environment.
Exposure to strategic credit risk oversight and enterprise risk management.
Professional development and career progression opportunities.
Collaborative and supportive working environment.