Credit Risk Analyst

We are looking for a Credit Risk Analyst to join our Portfolio Strategy team and help us keep our retail credit portfolio balanced across risk, return, and capital use. You will be an independent partner to the Product and Underwriting teams, turning analysis into practical recommendations that shape how we grow. Challenges that await you:

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

What makes you a great fit:

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

Our ways of working :

Innovative Spirit : a commitment to creativity and groundbreaking solutions

Honest Feedback: valuing open, transparent communication

Supportive Team: a strong, collaborative community

Celebrating Achievements: recognizing our wins together

High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

Our benefits :

Relocation support to one of our hubs with assistance for the employee and their family

Flexible work from one of our offices

Healthcare Coverage

Education Budget: Language lessons, professional training and certifications

Wellness Budget: Mental health and fitness activity reimbursements

Vacation policy: 20 days of annual leave and paid sick leave