Credit Risk Manager

Vedi l’offerta su Go Lavoro: golavoro.it/annuncio-lavoro/7t8h9l

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: Perform 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: Lead 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

The minimum requirements we are seeking:

* Proven Experience: Minimum 5+ years 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

Vedi l’offerta su Go Lavoro: golavoro.it/annuncio-lavoro/7t8h9l