Credit Risk Manager

Job description

We are looking for a highly analytical and experienced Credit Risk Manager. The ideal candidate will have extensive experience in the consumer credit sector, with a strong focus on underwriting both retail and corporate portfolios. You will be responsible for evaluating creditworthiness, managing risk provisions, and ensuring full compliance with regulatory reporting standards.

Responsibilities

Credit Underwriting

Responsible for a team in charge of performing comprehensive credit analysis and decision-making for both Retail and Corporate applicants, ensuring alignment with the company’s risk appetite.

IFRS 9 Stage Management

Oversee the Credit Reclassification process, ensuring assets are accurately categorized into Stages according to international accounting standards and Default Definition.

Regulatory Reporting

Oversight the preparation of reports regarding asset quality, stage migration, and "Non-Performing Exposure" (NPE) ratios for regulatory authorities.

Reporting

delivering regular reports to the top management on risk exposure and the adequacy of the bad debt reserve.

Portfolio Monitoring

Analyze consumer credit trends and performance indicators to identify early warning signs of credit deterioration.

Policy Development

Contribute to the refinement of credit policies and scoring models to optimize the balance between growth and risk.

Qualifications

Proven Experience

Several years of experience s in Credit Risk with specific expertise in IFRS 9 impairment frameworks.

Technical Knowledge

Deep understanding of Credit Risk triggers and the qualitative/quantitative criteria for credit reclassification.

Regulatory Expertise

Familiarity with EBA (European Banking Authority) guidelines on management of non-performing and forborne exposures.

Analytical Background

Ability to interpret PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) models across different credit stages. Full professional proficiency in English (written and verbal) is mandatory. Proven experience leading teams