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Credit Risk Modeler (Resident in Malta or Hold an EU Passport) Overview: 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. 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. 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. Role Description: • Assist in Developing and maintaining models for Credit Portfolios, including Application Scores and Behavioural Scoring. • Work with deployment teams to support new models, and assist Strategy Teams in using of these models. • Support Analytical Tasks related to Modelling. • Assist in Monitoring / MI to assess the impact and performance of risk decisions / models and deliver accurate, logical and insightful commentary alongside the MI. • Have a keen eye for detail to ensure that any issues and/or concerns are effectively communicated. Skills & Experience: • Modelling / Analytical Background. • 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). • Reviewing and Analysing Data and Draw thorough conclusions. • Effective Communication Skills. • Bachelor’s or Master’s Degree in a Quantitative Field. 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. Benefits • Excellent Salary • Private Medical Insurance • Annual Bonus