Credit Data Analyst

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

Alliance Bank Malaysia Berhad seeks a senior credit risk analytics professional to identify risk-based segments and build portfolio dashboards. The role focuses on exposure, growth, concentration, and dynamic risk indicators across industry, geography, and collateral types.

Responsibilities include analyzing credit performance, developing risk metrics, and supporting underwriting decisions with cohort and vintage analyses and early warning models.

Qualifications

• Strong analytical and quantitative skills required.
• Proficiency with financial data tools and Excel.
• Excellent written and verbal communication in English.
• Ability to manage multiple tasks and work in a fast-paced environment.
• Strong understanding of credit/research principles and risk indicators.

Responsibilities

• Identify better/worse internal segments using risk-adjusted metrics.
• Build/maintain dashboards for portfolio governance (exposure, growth, risk indicators).
• Segment portfolio by industry, subsector, product, geography, collateral to reveal concentration.
• Analyze credit performance trends and early delinquency signals.
• Develop and refine risk metrics for appetite refinement and pricing decisions.
• Conduct cohort and vintage analyses to compare underwriting periods with outcomes.
• Develop EWIs and flags linked to facility behavior to monitor risk.
• Provide insights for underwriting and reviews including peer benchmarking.

Skills

Strong analytical and quantitative

Excellent written and verbal English

Multitasking and prioritization

Education

Bachelor’s degree in Finance/Economics/Business

Tools

Excel

Financial data tools

Job description

Job Responsibiliites

• Identify “better/worse” internal segments using risk-adjusted metrics (expected loss proxies,
• Build/maintain industry-level portfolio dashboards (exposure, growth, concentration, risk grade migration, watchlist, delinquency/NPL indicators) to support portfolio governance.
• Segment the portfolio by industry, subsector, product, customer type (SME/corporate), geography, and collateral type to reveal where lending is concentrated and why.
• Analyze credit performance trends: roll rates, arrears buckets, migration matrices, restructurings, recoveries, and early delinquency to detect emerging stress.
• Identify “better/worse” internal segments using risk-adjusted metrics (expected loss proxies, return on risk-weighted assets, pricing vs. risk, collateral coverage) for appetite refinement.
• Conduct cohort and vintage analysis to compare underwriting periods and policy changes with subsequent credit outcomes by industry and product.
• Develop internal early warning models/flags leveraging facility behavior (utilization spikes, covenant breaches, limit excess, declining turnovers where available) and link to industry EWIs.
• Provide targeted insights for underwriting and reviews, including peer benchmarking of client leverage/coverage ratios.
• Support stress testing and sensitivity analysis by translating external shocks (rates, energy costs, demand slowdowns) into portfolio-level impact views (segment-level exposure at risk).

Job Requirements

• Strong analytical and quantitative skills
• Proficiency in financial data tools and Excel
• Passion for learning and working across diverse industries.
• Ability to manage multiple tasks, prioritize effectively, and thrive in a fast-paced environment.
• Excellent written and verbal communication skills in English

Knowledge

• Understanding of financial statements, and credit assessment principles
• Understanding internal/external guidelines
• Awareness of macroeconomic indicators and sector-specific dynamic.
• Bachelor’s degree in Finance, Economics, Business, or related fields.

Experience

• At lease 8-10 years of experience in research, analysis, credit, or finance-related roles.
• Prior exposure to Real Estate, Construction, Commodities, Electrical & Electronics/Technology is an advantage.