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 (Monza)
🏢 Ford
📍 Monza