In this role you will lead aCredit Risk team to assess and approve underwriting for Retail and Corporate portfolios, aligning decisions with the company’s risk appetite. You will oversee IFRS 9 impairment staging, ensure accurate asset classification, and support regulatory reporting to authorities. The position emphasizes deep quantitative risk assessment (PD/LGD/EAD) and adherence to EBA guidelines, with a focus on identifying early warning signs and optimizing growth with controlled risk. You will collaborate with cross-functional teams to refine policies and improve scoring models, driving robust risk management and governance. This is a leadership role with impact on capital adequacy, N
Responsabilità
- Lead underwriter team for Retail and Corporate credit analysis and decision-making in line with risk appetite
- Oversee IFRS 9 Stage Management and asset staging classifications
- Coordinate regulatory reporting for asset quality,
stage migration, and NPE ratios
- Provide regular risk exposure updates and adequacy of bad debt reserve to top management
- Monitor portfolio performance and early warning indicators to preempt credit deterioration
- Contribute to policy development and refinement of scoring models to balance growth and risk
Requisiti fondamentali
- Extensive experience in Credit Risk with IFRS 9 impairment expertise
- Deep understanding of PD, LGD, and EAD models across stages
- Familiarity with EBA guidelines on non-performing and forborne exposures
- Proven leadership experience
- Proficiency in English (written and verbal)
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