Data and Credit Analyst

SME Bank is a neo bank for European markets. We are moving away from traditional slow banking operations, and we focus on providing fast financing solutions for SMEs, recognizing that they are the engine of the economic environment. Innovative banking system, integrations with world class databases and second-to-none risk management solutions allows us to serve clients from anywhere in the world.

Joining our team will not only open new growth opportunities for you as an expert, but also a possibility to be a part of the growing neo bank. You will work with experienced banking professionals from various fields and team leaders, who empower everyone to share ideas, encourages to take ownership of the fields you love and are always open for new initiatives.

In this role you will:

• Perform qualitative and quantitative analyses to determine credit risk and make informed decisions using internal data;
• Prepare credit reports and risk assessments for Risk team;
• Preparing, updating credit related policies and procedures together with Head of Credit Risk;
• Assess the impact of credit ratings and other risk metrics and perform scoring validity, provide insights for improvements;
• Ownership in credit risk control in the credit analysis, monitoring and risk assessment process;
• Credit risk assessment of potential and current customers, counterparties;
• Quality assurance of the credit risk management process.

What you need to succeed:

• University degree in Economics, Business, Finance, Banking, Econometrics or similar;
• Prior work experience (at least 2 years) in credit risk analysis, business analysis or financial control or related field, preferably in banking sector;
• Excellent analytical and problem-solving skills with a strong focus on attention to detail;
• Ability to deliver actionable insights based on data that directly impact business strategy;
• Strong Excel skills (Pivot Tables, VLOOKUP) are essential;
• Understanding of financial analysis, financing ratios, collateral structures and other stages of loan granting process;
• Knowledge of EBA guidelines, credit risk assessment rules, grouping of connected clients and provisioning of doubtful assets would be an advantage;
• Knowledge of the legal acts of the EU and the Republic of Lithuania, that are regulating the activities of financial and credit institutions would be an advantage;
• Proficiency of written and spoken English.

What we offer:

• Paid vacation as per the company's time-off policy, with an extra day off on birthday, additional days based on tenure, self-learning time for your development, and a paid trust day annually for personal use;
• Private health insurance (activated post-trial period);
• Workplace flexibility;
• A culture of recognition, with prizes, rewards, paid trips, gifts, and individual/team awards;
• Branded birthday gifts, financial support for weddings and newborns, along with extra time off. We provide compassionate time off and financial support during challenging times;
• Company events and activities biannually;
• Office breakfast every second Friday;
• Pet day once a month.

Gross salary:

From 3500 EUR/month.