JobCubby JobCubby
Sign up
Alliance Bank Malaysia Berhad

Credit Data Analyst

Alliance Bank Malaysia Berhad Kuala Lumpur, Malaysia

Banking · 1,001-5,000 employees

2 d ago
data-analyst Principal (10+ yrs) Full-time Malaysia
Create a free account to apply — email only, no card. You can also save this posting or score it against your profile with AI.

Applying here? Try the free cover letter tool — paste this posting and your résumé, no account needed.

About the role

The Credit Data Analyst will build and maintain portfolio dashboards to monitor risk, delinquency, and concentration across various industry sectors. They will also develop early warning models and provide targeted insights to support underwriting, stress testing, and portfolio governance.

What they look for

Financial data analysis Portfolio management Credit risk assessment Data visualization Financial modeling Excel Risk-adjusted metrics Early warning systems Stress testing Sensitivity analysis Cohort analysis Vintage analysis Financial statement analysis Macroeconomic analysis Communication skills Quantitative analysis

Requirements

Candidates must hold a bachelor's degree in Finance, Economics, or a related field and possess 8-10 years of experience in credit or finance roles. Strong analytical skills, proficiency in financial data tools, and a deep understanding of credit assessment principles are required.

Full description

Job Responsibiliites

1. Build/maintain industry-level portfolio dashboards (exposure, growth, concentration, risk grade migration, watchlist, delinquency/NPL indicators) to support portfolio governance. 2. Segment the portfolio by industry, subsector, product, customer type (SME/corporate), geography, and collateral type to reveal where lending is concentrated and why. 3. Analyze credit performance trends: roll rates, arrears buckets, migration matrices, restructurings, recoveries, and early delinquency to detect emerging stress. 4. Identify “better/worse” internal segments using risk-adjusted metrics (expected loss proxies, return on risk-weighted assets, pricing vs. risk, collateral coverage) for appetite refinement. 5. Conduct cohort and vintage analysis to compare underwriting periods and policy changes with subsequent credit outcomes by industry and product. 6. Develop internal early warning models/flags leveraging facility behavior (utilization spikes, covenant breaches, limit excess, declining turnovers where available) and link to industry EWIs. 7. Provide targeted insights for underwriting and reviews, including peer benchmarking of client leverage/coverage ratios. 8. Support stress testing and sensitivity analysis by translating external shocks (rates, energy costs, demand slowdowns) into portfolio-level impact views (segment-level exposure at risk).

Job Requirements

Skills

  • Strong analytical and quantitative skills
  • Proficiency in financial data tools and Excel
  • Passion for learning and working across diverse industries.
  • Ability to manage multiple tasks, prioritize effectively, and thrive in a fast-paced environment.
  • Excellent written and verbal communication skills in English

Knowledge

  • Understanding of financial statements, and credit assessment principles
  • Understanding internal/external guidelines
  • Awareness of macroeconomic indicators and sector-specific dynamic.
  • Bachelor’s degree in Finance, Economics, Business, or related fields.

Experience

  • At lease 8-10 years of experience in research, analysis, credit, or finance-related roles.
  • Prior exposure to Real Estate, Construction, Commodities, Electrical & Electronics/Technology is an advantage.

Similar roles