Credit Risk Manager

23 ore fa

padova, veneto, Italia Ford Tempo pieno
Overview

As a Credit Risk Manager, you will lead analytical assessment of retail and corporate credit portfolios to uphold risk appetite while enabling growth. You will manage IFRS 9 impairment and stage classification, ensuring regulatory reporting and accurate risk provisioning. You join a cross-functional team to shape credit policies and scoring models in a compliant, data-driven environment. Your work will influence asset quality, NPE metrics, and management reporting. This role offers impact at scale within automotive finance and regulatory-driven operations.

Responsabilità
  • Lead a team conducting comprehensive credit analysis for Retail and Corporate applicants, aligning decisions with risk appetite
  • Oversee IFRS 9 Stage Management and asset categorization according to accounting standards
  • Supervise regulatory reporting on asset quality, stage migration, and NPE ratios
  • Deliver risk exposure and bad debt reserve updates to top management
  • Monitor consumer credit trends to detect early deterioration and inform policy
  • Contribute to refining credit policies and scoring models to balance growth and risk
Requisiti fondamentali
  • Several years of experience in Credit Risk with IFRS 9 impairment expertise
  • Deep understanding of credit risk triggers and reclassification criteria
  • Familiarity with EBA guidelines on non-performing and forborne exposures
  • Ability to interpret PD, LGD, and EAD models across credit stages
  • English proficiency (written and spoken)
  • Proven experience leading teams
  • leadership
  • analytical mindset
  • stakeholder communication
  • IFRS 9 impairment framework
  • PD/LGD/EAD modeling
  • Stage management