Credit Risk Analyst

TBI Bank S.A.; Town of Greece (NY); On-site; USD 80,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Multinational team

Job summary

TBI Bank is seeking a Credit Risk Analyst to support decision-making across the consumer lending portfolio. You will perform risk analyses, validate reports, and monitor PD, LGD, and ECL while ensuring data integrity across risk systems.

The role requires strong SQL skills, experience with SAS or Python, and a degree in a quantitative field. English proficiency and cross-functional collaboration are essential. Competitive salary and a multinational team await.

Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics, Engineering, or other quantitative discipline.
• 3–5 years of proven experience in credit risk analysis, regulatory reporting, or risk data analytics within banking or financial services.
• Strong understanding of credit risk concepts (PD, LGD, ECL, staging, portfolio monitoring).
• Advanced SQL skills with proven experience in data extraction, transformation, and validation (mandatory).
• Experience with analytical tools such as SAS, or Python is a plus.
• Familiarity with regulatory frameworks is considered a strong advantage.
• Strong analytical and problem-solving skills, with attention to detail.
• Ability to work with large datasets and ensure data quality and consistency.
• Good communication skills and ability to collaborate with cross-functional teams.
• Fluency in English (written and spoken).

Responsibilities

• Perform credit risk analysis to support decision-making across the consumer lending portfolio.
• Prepare and validate regulatory and internal risk reports.
• Calculate and monitor risk parameters (e.g., PD, LGD) and ensure consistency of methodologies.
• Analyze portfolio performance identifying trends, deviations, and emerging risk signals.
• Ensure data accuracy, reconciliation, and consistency across risk reporting and source systems.
• Support the implementation and monitoring of credit policies, ensuring alignment with risk appetite.
• Translate business requirements into clear analytical specifications and validate outputs.
• Actively participate in User Acceptance Testing (UAT) and Quality Assurance (QA), including test case design, execution, and result validation.
• Support the development and maintenance of risk reporting frameworks, dashboards, and data pipelines.
• Maintain comprehensive documentation of methodologies, calculations, and reporting processes in line with audit and regulatory standards.

Skills

SQL

Python

SAS

Analytical skills

English proficiency

Education

Bachelor's degree in Finance, Economics, Mathematics, Engineering

Tools

SAS

Python

Job description

About us

we are a challenger bank in Southeast Europe and regional leader in alternative payment solutions, building an ecosystem by combining financing and shopping to address customers' needs. Our successful business model and customer‑focus approach allowed us to be one of the most profitable and efficient banks in the region. We currently serve customers in Romania, Germany, Bulgaria & Lithuania.

We have now expanded our global footprint in Greece with thousands of merchants and consumers. Do you want to play a key role in our unique success story?

What You Get To Do In This Role

• Perform credit risk analysis to support decision‑making across the consumer lending portfolio.
• Prepare and validate regulatory and internal risk reports.
• Calculate and monitor risk parameters (e.g., PD, LGD) and ensure consistency of methodologies.
• Analyze portfolio performance identifying trends, deviations, and emerging risk signals.
• Ensure data accuracy, reconciliation, and consistency across risk reporting and source systems.
• Support the implementation and monitoring of credit policies, ensuring alignment with risk appetite.
• Translate business requirements into clear analytical specifications and validate outputs.
• Actively participate in User Acceptance Testing (UAT) and Quality Assurance (QA), including test case design, execution, and result validation.
• Support the development and maintenance of risk reporting frameworks, dashboards, and data pipelines.
• Maintain comprehensive documentation of methodologies, calculations, and reporting processes in line with audit and regulatory standards.

What We’re Looking For

• Bachelor’s degree in Finance, Economics, Mathematics, Engineering, or other quantitative discipline.
• 3–5 years of proven experience in credit risk analysis, regulatory reporting, or risk data analytics within banking or financial services.
• Strong understanding of credit risk concepts (PD, LGD, ECL, staging, portfolio monitoring).
• Advanced SQL skills with proven experience in data extraction, transformation, and validation (mandatory).
• Experience with analytical tools such as SAS, or Python is a plus.
• Familiarity with regulatory frameworks is considered a strong advantage.
• Strong analytical and problem‑solving skills, with attention to detail.
• Ability to work with large datasets and ensure data quality and consistency.
• Good communication skills and ability to collaborate with cross‑functional teams.
• Fluency in English (written and spoken).

In Return, We Will Give You

• Opportunity to be a part of growing organization where you can see the difference you made!
• Competitive Salary
• A friendly environment & team of passionate multinational professionals. Don't be surprised if you talk to 16+ nationalities @ tbi bank!

we'd love to hear from you! To apply for this position, please send us your CV in English. Your candidacy shall be treated confidentially in accordance with the GDPR. Only shortlisted candidates will be contacted for interview.

With the voluntary presentation of documents for job application in TBI Bank EAD it is considered that you give your explicit consent your personal data to be kept, processed and used for the purposes of the recruitment of the Bank.