SME Portfolio Risk Analyst

At the Bank of Georgia's Small and Medium Business Credit Risk Management Department, we are looking for an SME Portfolio Risk Analyst.

Key functions

• Analysis of credit portfolio quality indicators and trends;

• Assessment of the impact of credit policies, rules, and scoring models on product performance;

• Evaluation of product effectiveness based on approval rates, default frequencies, risk values, and other key indicators;

• Preparation of analytical conclusions and presentation of results to interested parties;

• Participation in the development of automated lending products and decision-making systems.

Mandatory qualification requirements:

A bachelor's degree in Finance, Economics, Business Administration, Mathematics, Statistics, Information Technology, or a related field; At least 2 years of experience in data analysis, banking, credit risk, or business analysis; Basic knowledge of credit portfolio quality indicators

• Good knowledge of SQL and Excel (mandatory);

• Experience working with Power BI or other BI tools, Python, and AI tools is desirable;

• Knowledge of DWH / Data Mart concepts is desirable;

• The ability to write clearly and concisely in Georgian and English;

The following will be considered an advantage: knowledge of credit products, scoring models, and automated lending processes; participation in product development, business process optimization, or the implementation of technological changes.

Knowledge and skills

• The ability to effectively communicate data-driven analysis (data storytelling): presenting complex analytical findings clearly and convincingly to both technical and non-technical audiences;

• The ability to analyze and understand business processes and transform business context into credit risk and product requirements;

• Analytical and critical thinking, attention to detail;

• Teamwork, initiative, and a high sense of responsibility; the ability to manage multiple tasks and priorities in parallel and meet deadlines.

We look forward to your response by November 25, 2026.