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

📌 Credit Risk Manager (Pescara)
🏢 Ford
📍 Pescara