As a Senior Data Analyst you will develop, redevelop and maintain retail credit risk models (scorecards, PD and LGD) and IFRS 9 models. Provide advanced analytical expertise ensuring models remain predictive, compliant and fit for business and regulatory purposes. The role also involves maintaining and improving data quality, designing data models, and communicating findings and solutions effectively to support decision-making processes. This is a full-time hybrid role based in Tirana, Albania, with flexibility to work remotely.

What will you do?

• Perform statistical analysis on credit risk data to identify trends, risk drivers, and portfolio behavior. 
• Prepare, clean and transform datasets for modelling activities. 
• Ensure data quality, accuracy, consistency, and integrity by performing data quality checks, reconciliation, and regular quality controls throughout the data lifecycle. 
• Develop applications, behaviors and transactional scorecards in accordance with the regulatory and/or group requirements and agreed timelines. 
• Develop PD, LGD and CCF models in accordance with the regulatory and/or group requirements and agreed timelines. 
• Contribute to the common model development together with Raiffeisen Bank International methodology team and work on joint improvement of the policies, methodology concept paper, and working tools in Databricks.
• Participates in seminars, workshops, conferences, and meetings related to his/her duties on request or suggested by HR.
• Prepare the model documentation templates based on the results from the development.
• Present the re/developed models to Validation Committee and ensure timely completion of the validation conditions. 
• Analyze, investigate, and address validation findings and recommendations in a timely manner in case of any validation conditions during the Validation Committee. 
• Regularly interface with colleagues, model stakeholders/users, independent validation and internal or external auditors to discuss findings and potential model improvements. 
• Regular communication with the validation owner and methodology team in HO.
• Implementation of approved models into production environments by coordinating testing activities, validating outputs, and ensuring a smooth transition from development to operational use. 
• Perform quarterly model monitoring and performance assessments, analyzing key metrics, stability indicators, and predictive accuracy to ensure continued model effectiveness. 
• Recommend model enhancements and methodological improvements based on performance monitoring results, emerging portfolio trends, and evolving business or regulatory requirements. 
• Collaborate closely with Risk, IT, Data Management, and Product teams to ensure the availability of reliable data, alignment of modelling initiatives with business requirements, and effective implementation of risk solutions. 
• Coordinate with RBI methodology to ensure compliance with Group standards, methodologies, policies, and regulatory expectations related to model development and maintenance. 
• Support internal audits, by preparing documentation, providing analytical evidence, and ensuring timely resolution of findings and recommendations

You need to have:

• University degree in Mathematics, Statistics, Economics, Business Informatics, Information Technology or related fields. 
• Strong Analytical Skills and proficiency in Data Analytics for interpreting complex datasets and extracting insights.
• Proficiency in Statistics and experience with statistical tools for performing quantitative analyses and model validation.
• Knowledge and experience in Data Modeling for credit risk assessment and other business needs.
• Excellent Communication skills to effectively present findings and collaborate with various stakeholders.
• Attention to detail, problem-solving abilities, and the ability to work in a hybrid work environment.
• Proficiency with data analysis tools and programming languages such as SQL, Python, R, or similar is highly desirable.
• Experience in banking, financial services, or credit risk modeling would be an advantage.

As a Senior Data Analyst you will develop, redevelop and maintain retail credit risk models (scorecards, PD and LGD) and IFRS 9 models. Provide advanced analytical expertise ensuring models remain predictive, compliant and fit for business and regulatory purposes. The role also involves maintaining and improving data quality, designing data models, and communicating findings and solutions effectively to support decision-making processes. This is a full-time hybrid role based in Tirana, Albania, with flexibility to work remotely.

What will you do?

• Perform statistical analysis on credit risk data to identify trends, risk drivers, and portfolio behavior. 
• Prepare, clean and transform datasets for modelling activities. 
• Ensure data quality, accuracy, consistency, and integrity by performing data quality checks, reconciliation, and regular quality controls throughout the data lifecycle. 
• Develop applications, behaviors and transactional scorecards in accordance with the regulatory and/or group requirements and agreed timelines. 
• Develop PD, LGD and CCF models in accordance with the regulatory and/or group requirements and agreed timelines. 
• Contribute to the common model development together with Raiffeisen Bank International methodology team and work on joint improvement of the policies, methodology concept paper, and working tools in Databricks.
• Participates in seminars, workshops, conferences, and meetings related to his/her duties on request or suggested by HR.
• Prepare the model documentation templates based on the results from the development.
• Present the re/developed models to Validation Committee and ensure timely completion of the validation conditions. 
• Analyze, investigate, and address validation findings and recommendations in a timely manner in case of any validation conditions during the Validation Committee. 
• Regularly interface with colleagues, model stakeholders/users, independent validation and internal or external auditors to discuss findings and potential model improvements. 
• Regular communication with the validation owner and methodology team in HO.
• Implementation of approved models into production environments by coordinating testing activities, validating outputs, and ensuring a smooth transition from development to operational use. 
• Perform quarterly model monitoring and performance assessments, analyzing key metrics, stability indicators, and predictive accuracy to ensure continued model effectiveness. 
• Recommend model enhancements and methodological improvements based on performance monitoring results, emerging portfolio trends, and evolving business or regulatory requirements. 
• Collaborate closely with Risk, IT, Data Management, and Product teams to ensure the availability of reliable data, alignment of modelling initiatives with business requirements, and effective implementation of risk solutions. 
• Coordinate with RBI methodology to ensure compliance with Group standards, methodologies, policies, and regulatory expectations related to model development and maintenance. 
• Support internal audits, by preparing documentation, providing analytical evidence, and ensuring timely resolution of findings and recommendations

You need to have:

• University degree in Mathematics, Statistics, Economics, Business Informatics, Information Technology or related fields. 
• Strong Analytical Skills and proficiency in Data Analytics for interpreting complex datasets and extracting insights.
• Proficiency in Statistics and experience with statistical tools for performing quantitative analyses and model validation.
• Knowledge and experience in Data Modeling for credit risk assessment and other business needs.
• Excellent Communication skills to effectively present findings and collaborate with various stakeholders.
• Attention to detail, problem-solving abilities, and the ability to work in a hybrid work environment.
• Proficiency with data analysis tools and programming languages such as SQL, Python, R, or similar is highly desirable.
• Experience in banking, financial services, or credit risk modeling would be an advantage.