Senior Risk Analytics Specialist

Senior Risk Analytics Specialist Senior Risk Analytics Specialist in Malta: deliver independent credit risk oversight, turn data into actionable insights, and strengthen governance with collaborative, clear reporting. Our client is seeking a Credit Risk Analytics Manager to join its Risk Management team in Malta. Reporting directly to the Risk Manager, this second line of defence role is responsible for providing independent oversight of the Bank's credit risk profile through data-driven analysis, portfolio monitoring and risk reporting. The successful candidate will play a key role in validating credit risk information, identifying emerging portfolio trends, and providing independent insights and challenge to support Senior Management, Board Committees and the Board in making informed risk decisions. Key Responsibilities 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 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. Key Competencies Excellent analytical and problem-solving abilities. High attention to detail and commitment to accuracy. Strong communication and report-writing skills. Ability to provide independent and constructive challenge. Strong organisational skills with the ability to manage multiple priorities. Proactive, inquisitive and solution-oriented mindset. Ability to build strong working relationships while maintaining independence. What Our Client Offers 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. Locations Malta Remote status Hybrid Yearly salary €45,000 - €55,000 Employment type Full-time About iTalent PLUS As iGaming recruitment specialists, at iTalent PLUS, we take pride in our role as matchmakers between exceptional talent and forward-thinking employers. From tackling personal decisions to reaching important milestones, our job is to guide you on the path of success. We are fueled by our commitment to excellence and go the extra mile to make sure our clients are fully satisfied with our work.