Performance and Growth Analyst

Join the best bank to work for in Bulgaria*

Who we are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

Do you want to play a key role in our unique success story?

If so, we're looking for a Performance and Growth Analyst to join our team on our journey to success!

We are looking for a Performance and Growth Analyst with strong experience in retail banking, ideally with exposure to debit and credit cards. This role is not about building reports, but about turning data into actionable insights. You will request, review, and interpret reports from BI and other teams, identify risks and opportunities before they become visible to everyone else, and recommend concrete actions that improve business performance.

Think of it this way: instead of analyzing why the ship sank, you’ll help us see the iceberg coming, and also show us how we can sail faster.

What You’ll do:

• Monitor and analyze retail banking performance across products and channels, with a focus on debit and credit cards.

• Request and interpret reports (from BI and other data sources) and translate them into business-relevant insights.

• Identify risks, early warning signals, and opportunities to accelerate growth or improve efficiency.

• Track objectives and key results and ensure performance against targets is monitored and reported.

• Evaluate the performance of sales channels, including:

  • Card activation rates and timelines

  • Customer onboarding journeys

  • Usage and transaction behavior by channel

  • Sales agent performance

• Analyze customer behaviors across different segments (e.g., existing bank customers vs. new-to-bank customers), identifying usage patterns, activation differences, and opportunities for targeted growth.

• Prepare and present actionable recommendations to management for improving sales, customer activation, product usage, and profitability.

• Support decision-making by providing structured analysis, clear visuals, and business-focused storytelling.

• Act as the bridge between data teams (BI/analytics) and business stakeholders (sales, product, marketing).

What you’ll need to succeed:

• 3+ years of experience in retail banking, preferably in cards (debit/credit), product management, or performance analysis.

• Strong analytical mindset with the ability to interpret data, not just report it.

• Solid understanding of retail banking KPIs: acquisition, activation, usage, portfolio growth, delinquency, profitability.

• Experience in customer segmentation and behavioral analysis (e.g., existing vs. new-to-bank, digital-first vs. branch-driven customers).

• Familiarity with OKRs, KPIs, and performance tracking frameworks.

• Proficiency in Excel, PowerPoint, and ability to work with BI outputs (Power BI, Tableau, etc.) — not as a developer but as a business analyst/consumer.

• Excellent communication skills — able to simplify complex data into clear, actionable insights for management.

• Problem-solving, proactive mindset, and ability to spot opportunities before they are obvious.

What we offer:

• Seize the opportunity to grow your career

• Engage in exciting and meaningful work

• Get recognition for your work and attitude

• Become part of a large, friendly and supportive team

• Get additional private health insurance

• Receive special prices for multisport card and multiple retailers

• Obtain preferential prices for our banking products

• Enjoy a great location in Sofia’s city centre near National Palace of Culture and South Park

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

To apply for this position, please send us your CV in English.

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

*We are ranked the top bank and top 4 employer to work for in Bulgaria according to Kaderabotim.bg 2024 employer rankings.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank, you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available on tbi Career page.