Credit Risk Manager
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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