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:
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.
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 verba
📌 Credit Risk Manager (Roma)
🏢 Ford Credit
📍 Roma
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