Credit Portfolio Analyst

Full time

Yerevan

25 November 2026

Employment term Permanent

Category Banking/credit

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Job description:

We are seeking a detail-oriented Credit Portfolio Analyst to perform first-level analysis of credit portfolio quality, risk dynamics, and performance trends. In this role, you will prepare essential portfolio monitoring outputs, identify key data insights, and deliver timely, accurate reporting for executive decision-making.

Working closely under the methodology established by the Head of Unit, you will play a key role in equipping Management and the Credit Risk Committee with actionable analytics to safeguard portfolio health.

Job responsibilities

Portfolio Monitoring & Analytics

Monitor and analyze credit portfolio volume, growth dynamics, composition, and credit quality (outstanding balances, active loan count, PAR, DPD buckets, product/branch/channel concentrations).
Prepare recurring roll rate, vintage, loan migration, and restructured portfolio analytics based on approved methodologies.
Track early warning risk indicators (EWI) and promptly flag unusual trends or anomalies to the Head of Unit.

Reporting & Executive Support

Prepare the monthly portfolio and delinquency reporting packs for Senior Management and the Credit Risk Committee.
Draft first-level analytical findings, insights, and summary commentaries for management review.
Conduct ad-hoc credit risk and portfolio analytics as assigned or prioritized by the Head of Unit.

Advanced Analytics & Model Support

Support credit model performance monitoring through regular data preparation and calculation, adhering to unit methodology.
Conduct collection and recovery performance analysis based on agreed KPIs and validated data streams.

Required qualifications

Education & Experience

Education: Bachelor’s or Master’s degree in Economics, Finance, Mathematics, Statistics, or a related quantitative field.
Work Experience: Minimum 2 years of professional experience in banking, credit risk, portfolio analytics, or financial analysis.
Considered an Advantage: Experience with credit portfolio reporting, collection analytics, and hands-on familiarity with Core Banking System data (e.g., ArmSoft).

Domain Knowledge & Technical Skills

Credit Risk Concepts: Strong understanding of core credit risk concepts (DPD, PAR, Roll Rates, Vintage analysis).
MS Excel: Advanced proficiency.
Power BI: Ability to work independently in Power BI (building analytical visualizations, interpreting dashboards, and presenting insights).
SQL: Basic to intermediate level proficiency.
Software: MS Office (Word, PowerPoint, Outlook).

Soft Skills & Competencies

Strong analytical mindset with rigorous attention to detail and data accuracy.
Ability to summarize findings, trends, and analytical insights clearly and concisely.
Openness to feedback and strong motivation to grow within the credit risk analytics field.
High reliability and strong time management skills to consistently meet strict deadlines.

Language Proficiency

Armenian: Fluent / Excellent
English: Good / Professional
Russian: Good / Professional

Additional information

Competitive salary
Annual bonuses based on the organization's performance
Paid day-offs
Health insurance
Rewards on the occasions of marriage and birth of children
Training
Teambuilding and corporate events
An opportunity to grow and develop in an internationally-minded environment

Professional skills

Analytical and Mathematical skills MS Excel

Soft skills

Positive attitude Time management Detail-oriented