Credit Risk Manager

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.

Position 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: Deliver regular reports to 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.

Required Skills & Experience

• 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 (written and verbal) is mandatory.

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