Credit Risk Modeler

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    "location": {
      "city": "Malta",
      "state": "Msida",
      "postalCode": "MSD 1421",
      "addressCountry": "Malta"
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    "datePosted": "2026-06-09",
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    "description": "<p><span style=\"color: rgb(25, 63, 102); font-size: 14pt\"><span style=\"font-weight: bold\">Credit </span><span style=\"font-weight: bold\">Risk </span><span style=\"font-weight: bold\">Modeler (Resident in Malta or Hold an EU Passport)</span></span></p>\n<p><br></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span style=\"font-weight: bold\"><span>Overview:</span></span><span> </span></span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span>We are seeking a motivated a Credit Risk Modeler to join our Credit Team. This is an exciting opportunity for an Entry Level Credit Modeller to learn Development and Monitoring of Credit Card Models that support key business decisions across our lending and portfolio management.</span><span> </span></span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span>As a Credit Risk Modeller, you will develop and maintain models such as probability of default and customer value. Working closely in partnership with other modellers and cross-functional teams you’ll apply statistical techniques and data analysis to help assess and manage credit to drive business performance.</span><span> </span></span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span>This role offers excellent exposure to real-world modelling practices in a highly regulated industry, with opportunities to grow your skills in analytics, programming and financial management.</span><span> </span></span></p>\n<p><br></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span style=\"font-weight: bold\"><span>Role Description:</span></span><span> </span></span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Assist in Developing and maintaining models for Credit Portfolios, including Application Scores and Behavioural Scoring.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Work with deployment teams to support new models, and assist Strategy Teams in using of these models.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Support Analytical Tasks related to Modelling.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Assist in Monitoring / MI to assess the impact and performance of risk decisions / models and deliver accurate, logical and insightful commentary alongside the MI.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Have a keen eye for detail to ensure that any issues and/or concerns are effectively communicated.</span><span> </span></span></li>\n</ul>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"><span style=\"font-weight: bold\"><span>Skills &amp; Experience:</span></span><span> </span></span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Modelling / Analytical Background.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Prior Coding experience in any of the following Programme Languages: SAS, SQL, Python or R (Python scikit-learn / statsmodels linear and logistic regression modelling experience is a plus).</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Reviewing and Analysing Data and Draw thorough conclusions.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Effective Communication Skills.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\"><span>Bachelor’s or Master’s Degree in a Quantitative Field.</span><span> </span></span></li>\n</ul>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 12pt\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\">Being open to different points of view is important for our business and the communities we serve. At Novum, we’re dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.</span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Benefits</span></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\">Excellent Salary</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Private Medical Insurance</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Annual Bonus</span></li>\n</ul>",
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