Credit Risk Portfolio Analyst

About the company

TBC Bank Group PLC established Space International with the strategic aim of facilitating the group's global expansion efforts. In 2018, the team successfully introduced the pioneering neobank, Space, in Georgia. Building upon this success, subsequent efforts were directed towards the creation and launch of the fully digital bank in Uzbekistan, TBC UZ, in 2020. In a significant move towards enhancing its foothold in the Uzbek market, the group acquired Payme, a prominent local payments provider and esteemed brand among the Uzbek populace, in 2023.

Presently, a dedicated team of 1,700 professionals representing 17 nationalities collaborates to advance TBC's international presence. Space International spearheads the provision of cutting-edge technologies and top-tier professional services, while the local teams at Payme and TBC Uzbekistan drive sustained growth and operational excellence.

Role overview:

The Portfolio Analyst in Credit Risk is responsible for continuously monitoring and analyzing the bank’s loan portfolio. This includes assessing changes in portfolio volume, credit risk, delinquency trends, and shifts in customer behavior. The analyst will utilize advanced forecasting and modeling techniques to predict key risk metrics, including PAR (Portfolio at Risk), COR (Cost of Risk), and provisioning requirements, helping inform risk strategies and ensure effective portfolio management.

Your Role:

• Regularly analyze credit portfolio composition, volume trends, and credit risk changes.

• Monitor early warning signals and trends in delinquency and behavioral shifts to identify potential risks and opportunities.

• Continuously monitor key risk metrics (PAR, COR, and provisioning requirements) and report deviations from established benchmarks.

• Track portfolio quality indicators, assessing monthly, quarterly, and annual changes in risk exposure.

• Develop and maintain forecasting models for key credit risk metrics, including PAR, COR, and reserves, to ensure timely insight into potential risk exposure.

• Apply advanced statistical methods to model portfolio risk and predict future credit losses.

• Prepare regular reports on portfolio trends, risk indicators, and forecasted metrics, providing actionable insights for the Credit Risk team and senior management.

• Collaborate with cross-functional teams to communicate findings and support strategic initiatives.

• Analyze shifts in customer behavior and macroeconomic factors affecting portfolio performance.

• Identify and monitor emerging trends in delinquencies and customer behavior to guide portfolio management strategies.
What Really Excites Us:

• Good understanding of Data Modeling.

• Excellent SQL skills: joins, sub queries, window functions.

• Excellent data visualization and presentation skills.

• Strong Excel skills, including VLOOKUP, pivot tables, and visualizations.

• Effective communication skills to convey complex findings to non-technical stakeholders.

• Strong problem-solving and analytical thinking abilities.

• Experience working in a retail bank's credit risk department would be an advantage.

• Excellent communication skills with ability to present complex findings in English and Russian.

• Proactive and self-motivated, demonstrating the capability to excel both independently and as part of a collaborative team in a fast-paced environment.

What We Offer:

• Full support and career-development resources to maximize your potential along our career journey
• Market competitive total compensation package
• 100% company-paid for every employee’s medical insurance
• Benefits and incentives to stay healthy and fit
• English language classes
• Possibility to be involved in an international project
• Hybrid working model, ensuring a good work-life balance
• Junk Fridays, fruit days, terrace BBQs, and many more

Thank you for your interest in opportunities at JSC 'Space International.' Your privacy is a priority. We process data in compliance with the Law of Georgia 'On Personal Data Protection.' Your information is confidential and used solely for assessing suitability, with a maximum 2-year retention period. We securely store your data using BreezyHR (Canada). You are authorized to request data deletion or modification, or provision of information regarding data processing. If you have any such requests or have any questions regarding data processing, please feel free to contact us ProfileModificationRequests@ space.ge. Our commitment extends to equal treatment, ensuring a fair and unbiased selection process. Thank you for considering opportunities with us.