credit policy analyst

We are seeking a Credit Policy Analyst to join the Credit Policy & Monitoring Unit within the Retail Banking Strategy & Growth Division. You will be responsible for monitoring credit risk in the retail mortgage portfolio, shaping credit policies and criteria, analyzing loan quality, conducting quality controls, and supporting credit decision automation. This role offers exposure to key areas of risk management and regulatory compliance, with opportunities for cross-functional and external collaboration.

Your key responsibilities will be:

• Developing and maintaining credit policies and criteria for new mortgage loan approvals, aligned with strategic, regulatory, and risk appetite frameworks.

• Designing and implementing automation rules to enhance decision-making efficiency while ensuring credit risk remains within acceptable limits.

• Monitoring portfolio performance and conducting risk analysis to identify high-risk areas and opportunities for improvement in policies and procedures.

• Executing regular and ad hoc quality control checks and supporting internal and external audits to ensure compliance with credit policies.

• Participating in cross-functional projects and product development initiatives, collaborating with internal teams and external partners to support credit-related strategies.

You will be a great candidate if you:

• Have at least 2 years of relevant experience in mortgage lending, ideally within a banking environment.

• Hold a Bachelor’s degree in Economics, Finance, or a quantitative field; a postgraduate degree will be considered a strong asset.

• Possess excellent knowledge of mortgage loan products and related processes.

• Are proficient in MS Office tools, especially Excel, Word, and PowerPoint.

• Are fluent in English, both written and spoken.

• Demonstrate strong analytical and problem-solving skills, with the ability to interpret and synthesize data effectively.

• Have a results-driven mindset, take initiative, and show a proactive approach to challenges.

• Exhibit excellent communication and influencing skills, with a collaborative and team-oriented attitude.

What’s in it for you:

• Competitive remuneration. 

• Hybrid work: work-life balance through remote and in-office work.    

• Learning & Development: 

• Access Unlimited Udemi Learning, international training methodologies 

• Upskilling, Professional development and career guidance from successful executives.    

• Identification and Utilization of Talent Pool through a structured Talent Management process.    

• Wellbeing: 

• Premium Health & Life insurance for you, your partner and/or your family and mental health support.  

• Pension plan to support your plans and future financial expectations.   

• Team building & wellbeing activities.   

• Potential Extra days of annual leave (Winter Bonus).     

• Engage in volunteering activities through our TeamUp program. 

• Extra Benefits:

• Exclusive discounts at partner stores.   

• Staff pricing for banking products.   

• Nursery and summer camp allowance for your little ones.