OverviewIn 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
ResponsabilitàLead 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 fondamentaliExtensive 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)
leadership
analytical mindset
stakeholder communication
IFRS 9 impairment framework
PD/LGD/EAD modeling
regulatory reporting

📌 Credit Risk Manager (Bardi)
🏢 Ford
📍 Bardi