Credit Risk Analyst

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. #J-18808-Ljbffr TBI Bank S.A.