Job Description
This is a remote position.
We are a part of The Jamaica National Group Limited and together, we represent a globally respected brand, boldly finding ways to enrich lives and build better communities. Our core values make us who we are and are demonstrated in everything we do; rooted in RESPECT, we are committed to creating meaningful experiences for our customers, employees and communities.
We are seeking a suitably qualified and experienced Credit Analyst to join our Data Analytics Unit. The successful candidate will play a key role in supporting data-driven decision-making by analyzing credit portfolio performance, developing analytical solutions, producing management information and generating insights to strengthen credit risk management, lending strategies and portfolio profitability.
Category: Supervisory
Contract: Permanent
Key Responsibilities
Credit Portfolio Analytics
- Conduct analytical reviews of the Bank's credit portfolios to identify trends, opportunities and emerging risks.
- Analyze customer behavior, delinquency trends, portfolio performance and lending strategies.
- Conduct statistical analysis, business investigations and ad hoc research to support strategic initiatives.
- Identify opportunities to improve lending policies, portfolio management strategies and customer experience through analytics.
Management Information & Reporting
- Develop and maintain recurring management, Board Committee and regulatory reports within agreed service levels.
- Produce historical portfolio performance reports, trend analyses and management information.
- Prepare executive-ready presentations and communicate analytical findings and recommendations to senior management.
Data Analytics & Solutions
- Extract, cleanse, transform and validate data from multiple internal and external sources.
- Develop automated analytical solutions using modern data tools to improve reporting efficiency.
- Support the development and monitoring of credit scorecards.
- Monitor portfolio data and conduct quality checks to ensure accuracy and completeness.
- Assist with data governance initiatives by promoting data quality, consistency and adherence to analytical standards.
Business Partnership & Innovation
- Collaborate with Credit Risk, Business Banking, Retail Banking, Finance, Information Technology and other business units to deliver analytical solutions.
- Leverage Artificial Intelligence tools responsibly to improve productivity, automate repetitive tasks, support coding and data analysis, while maintaining appropriate governance and confidentiality standards.
Required Qualifications & Experience
- Bachelor's Degree in Data Analytics, Statistics, Mathematics, Computer Science, Economics, Finance, Actuarial Science, Business Analytics or a related quantitative discipline.
- A Master's Degree would be an asset.
- Minimum of three (3) years' experience in credit analytics, banking analytics, business intelligence, data science, risk analytics or a similar analytical role.
- Experience working with financial services data, lending portfolios or credit risk analysis.
Technical Expertise
The successful candidate should possess:
- Advanced Microsoft Excel skills, including Pivot Tables, Power Query, advanced formulas and data modelling.
- Strong working knowledge of Python, including analytical libraries such as Pandas, NumPy, Scikit-learn and Matplotlib.
- Experience writing SQL queries for data extraction and analysis.
- Knowledge of statistical analysis, predictive modelling and data visualization.
- Experience with Power BI or Tableau would be an asset.
- Strong knowledge of banking products, including personal loans, mortgages, credit cards, SME lending, commercial loans, deposits and overdraft facilities.
- Comprehensive understanding of the end-to-end credit lifecycle and credit risk concepts, including delinquency, NPLs, PD, LGD, EAD, provisioning, vintage analysis and portfolio segmentation.
Application Closing Date: September 22,2026