Credit Portfolio Analyst Job Vacancy in Machinga, Malawi – Banking & Finance

Job Description

Position: Credit Portfolio Analyst

Company: Barclays Bank Malawi

Location: Machinga, Malawi

Experience: 3-5 years in credit analysis and portfolio management

Education: Bachelor’s degree in Finance, Economics or related field

Employment Type: Full-time

Industry: Banking & Finance

Department: Credit Risk Management

Salary: SSP 1,200,000 – SSP 1,800,000 per annum

Vacancies:1

Company Overview

Barclays Bank Malawi is a leading financial institution delivering innovative banking solutions across the country. With a strong commitment to financial inclusion, the bank supports individuals, SMEs, and large corporations in achieving their economic goals. As part of the global Barclays Group, the Malawi subsidiary adheres to world‑class governance, risk management, and sustainability standards. The bank’s presence in Machinga reflects its strategic focus on expanding services to underserved regions, creating new Malawi Jobs and fostering local talent. Employees benefit from a collaborative culture, continuous learning opportunities, and a clear pathway for career advancement, making it an attractive destination for professionals seeking long‑term growth.

Job Overview

The Credit Portfolio Analyst will play a pivotal role in monitoring, analyzing, and optimizing the bank’s credit portfolio. Reporting to the Head of Credit Risk Management, the analyst will assess credit quality, identify emerging risks, and recommend strategic actions to safeguard the bank’s assets. This position offers a unique chance to influence credit policy, work with cross‑functional teams, and contribute to the bank’s profitability while supporting the broader goal of Employment in Malawi. For more information about the organization’s mission and values, visit our main website: https://malawijobsearch.com.

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Key Responsibilities

• Conduct quantitative and qualitative analysis of existing credit exposures across retail, SME, and corporate segments.
• Prepare regular portfolio risk reports, highlighting concentration risks, delinquency trends, and early warning indicators.
• Collaborate with credit officers to develop mitigation strategies for high‑risk accounts.
• Support the development and refinement of credit scoring models and underwriting guidelines.
• Assist in stress‑testing exercises and scenario analysis to evaluate portfolio resilience.
• Present findings and recommendations to senior management and the Credit Committee.
• Monitor compliance with regulatory capital requirements and internal risk limits.
• Contribute to the design of new credit products that align with market demand and risk appetite.

Required Skills

• Strong analytical and statistical skills with proficiency in Excel, SQL, and data visualization tools (e.g., Power BI, Tableau).
• In‑depth understanding of credit risk concepts, financial statement analysis, and loan structuring.
• Excellent written and verbal communication skills for report preparation and stakeholder presentations.
• Ability to work independently and as part of a multidisciplinary team.
• Attention to detail, problem‑solving mindset, and proactive approach to risk identification.
• Knowledge of Malawi’s banking regulations and Basel III requirements is an advantage.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or CPA are highly desirable and will be considered a strong asset.

Experience

Candidates should possess 3‑5 years of relevant experience in credit analysis, portfolio management, or risk assessment within a banking or financial services environment. Experience with loan monitoring systems and exposure to emerging market credit environments will be valued.

Salary

The compensation package ranges from SSP 1,200,000 to SSP 1,800,000 annually, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also part of the total rewards structure.

Benefits

• Comprehensive health insurance covering employee and dependents.
• Retirement savings plan with employer contributions.
• Annual leave, sick leave, and public holidays in line with Malawian labor law.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering Barclays’ risk framework, systems, and compliance standards.
• Continuous learning modules on advanced credit analytics, data science, and regulatory updates.
• Mentorship opportunities with senior risk managers and industry experts.

Working Environment

The role is based in our modern Machinga branch office, featuring open‑plan workspaces, collaborative meeting rooms, and secure data centers. The bank promotes a culture of diversity, inclusion, and ethical conduct, ensuring a safe and supportive environment for all staff.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the online portal on our website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews. Please ensure all documents are in PDF format and clearly labeled.

Equal Opportunity Statement

Barclays Bank Malawi is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive workplace where all employees are valued regardless of gender, age, disability, religion, or sexual orientation. Our hiring practices support the principles of fairness and transparency, contributing to the broader goal of Hiring in Malawi.