Credit Portfolio Analyst

Responsibilities

• Portfolio Monitoring & Analytics
• Monitor and analyze credit portfolio volume, growth dynamics, composition, and credit quality (outstanding balances, active loan count, PAR, DPD buckets, product/branch/channel concentrations).
• Prepare recurring roll rate, vintage, loan migration, and restructured portfolio analytics based on approved methodologies.
• Track early warning risk indicators (EWI) and promptly flag unusual trends or anomalies to the Head of Unit.
• Reporting & Executive
• Prepare the monthly portfolio and delinquency reporting packs for Senior Management and the Credit Risk Committee.
• Draft first-level analytical findings, insights, and summary commentaries for management review.
• Conduct ad-hoc credit risk and portfolio analytics as assigned or prioritized by the Head of Unit.
• Advanced Analytics & Model
• Support credit model performance monitoring through regular data preparation and calculation, adhering to unit methodology.

Languages

Required

• Minimum 2 years of professional experience in banking, credit risk, portfolio analytics, or financial analysis.
• Experience with credit portfolio reporting, collection analytics, and hands-on familiarity with Core Banking System data (e.g., ArmSoft).

Nice to have

• MS Excel
• Power BI
• Ability to work independently in Power BI (building analytical visualizations, interpreting dashboards, and presenting insights).
• SQL: Basic to intermediate level proficiency.
• Strong analytical mindset with rigorous attention to detail and data accuracy.
• Ability to summarize findings, trends, and analytical insights clearly and concisely.
• High reliability and strong time management skills to consistently meet strict deadlines.
• English
• Russian

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