This is a remote position. We are a part of The Jamaica National Group Limited and together, we represent a globally respected brand, boldly finding ways to enrich lives and build better communities. Our core values make us who we are and are demonstrated in everything we do; rooted in RESPECT, we are committed to creating meaningful experiences for our customers, employees and communities. We are seeking a suitably qualified and experienced Credit Analyst to join our Data Analytics Unit. The successful candidate will play a key role in supporting data-driven decision-making by analyzing credit portfolio performance, developing analytical solutions, producing management information and generating insights to strengthen credit risk management, lending strategies and portfolio profitability. Category: Supervisory Contract: Permanent Key Responsibilities Credit Portfolio Analytics Conduct analytical reviews of the Bank's credit portfolios to identify trends, opportunities and emerging risks. Analyze customer behavior, delinquency trends, portfolio performance and lending strategies. Conduct statistical analysis, business investigations and ad hoc research to support strategic initiatives. Identify opportunities to improve lending policies, portfolio management strategies and customer experience through analytics. Management Information & Reporting Develop and maintain recurring management, Board Committee and regulatory reports within agreed service levels. Produce historical portfolio performance reports, trend analyses and management information. Prepare executive-ready presentations and communicate analytical findings and recommendations to senior management. Data Analytics & Solutions Extract, cleanse, transform and validate data from multiple internal and external sources. Develop automated analytical solutions using modern data tools to improve reporting efficiency. Support the development and monitoring of credit scorecards. Monitor portfolio data and conduct quality checks to ensure accuracy and completeness. Assist with data governance initiatives by promoting data quality, consistency and adherence to analytical standards. Business Partnership & Innovation Collaborate with Credit Risk, Business Banking, Retail Banking, Finance, Information Technology and other business units to deliver analytical solutions. Leverage Artificial Intelligence tools responsibly to improve productivity, automate repetitive tasks, support coding and data analysis, while maintaining appropriate governance and confidentiality standards. Required Qualifications & Experience Bachelor's Degree in Data Analytics, Statistics, Mathematics, Computer Science, Economics, Finance, Actuarial Science, Business Analytics or a related quantitative discipline. A Master's Degree would be an asset. Minimum of three (3) years' experience in credit analytics, banking analytics, business intelligence, data science, risk analytics or a similar analytical role. Experience working with financial services data, lending portfolios or credit risk analysis. Technical Expertise The successful candidate should possess: Advanced Microsoft Excel skills, including Pivot Tables, Power Query, advanced formulas and data modelling. Strong working knowledge of Python, including analytical libraries such as Pandas, NumPy, Scikit-learn and Matplotlib. Experience writing SQL queries for data extraction and analysis. Knowledge of statistical analysis, predictive modelling and data visualization. Experience with Power BI or Tableau would be an asset. Strong knowledge of banking products, including personal loans, mortgages, credit cards, SME lending, commercial loans, deposits and overdraft facilities. Comprehensive understanding of the end-to-end credit lifecycle and credit risk concepts, including delinquency, NPLs, PD, LGD, EAD, provisioning, vintage analysis and portfolio segmentation. Application Closing Date: September 22,2026
On February 1, 2017, The Jamaica National Group, a powerful, Jamaican mutually-owned global business, became a reality and the country’s third largest commercial bank, JN Bank, was launched.
Following the re-submission of the Jamaica National Building Society (JNBS) application for a commercial banking license in November 2013 to the Bank of Jamaica (BOJ), the application was approved by the BOJ in February 2015. The country’s third largest financial institution at the time, the Society commenced the process to convert the building society into a commercial bank and to restructure the JN Group.
The JN Group has been restructured to ensure compliance with the new Banking Services Act. The reorganisation of the JN Group involved the establishment of the JN Financial Group, a financial holding company, which will own the new JN Bank and all other companies in the JN Group that offer financial services.
These companies are:
• JN Fund Managers Ltd. (JNFM)
• JN Life Insurance Ltd. (JN Life)
• JN Money Services Ltd. (JNMS)
• JN Small Business Loans Ltd. (JNSBL)
• JN Cayman Ltd.
JN General Insurance Ltd. (JNGI)
A Non-Financial Holding Company, the MCS Group has also been established to take ownership of non-financial entities in The Jamaica National Group.
These non-financial entities are:
• Jamaica Automobile Association (JAA)
• JN Properties Limited
• Management Control Systems (MC Systems)
The Creative Unit (TCU)
Total Credit Services Limited (TCS)
Both the JN Financial Group and the MCS Group and the entities under their control will be under the direct control of The Jamaica National Group. All members’ rights under mutuality will be transferred to The Jamaica National Group and JN Bank account holders will automatically become a member of The Jamaica National Group.
