pWe 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. /ph3Key responsibilities /h3ullibCredit Underwriting /b: Responsible for a team in charge of performing comprehensive credit analysis and decision-making for both Retail and Corporate applicants, ensuring alignment with the company’s risk appetite. /lilibIFRS 9 Stage Management /b: Oversee the Credit Reclassification process, ensuring assets are accurately categorized into Stages according to international accounting standards and Default Definition. /lilibRegulatory Reporting /b: Oversight the preparation of reports regarding asset quality, stage migration, and 'Non-Performing Exposure' (NPE) ratios for regulatory authorities. /lilibReporting /b: delivering regular reports to the top management on risk exposure and the adequacy of the bad debt reserve.



/lilibPortfolio Monitoring /b: Analyze consumer credit trends and performance indicators to identify early warning signs of credit deterioration. /lilibPolicy Development /b: Contribute to the refinement of credit policies and scoring models to optimize the balance between growth and risk. /liliProven Experience: Several years of experience s in Credit Risk with specific expertise in IFRS 9 impairment frameworks. /liliTechnical Knowledge: Deep understanding of Credit Risk triggers and the qualitative/quantitative criteria for credit reclassification. /liliRegulatory Expertise: Familiarity with EBA (European Banking Authority) guidelines on management of non-performing and forborne exposures. /liliAnalytical Background: Ability to interpret PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) models across different credit stages. /liliFull professional proficiency in English (written and verbal) is mandatory. /liliProven experience leading teams /li /ul #J-18808-Ljbffr

📌 Credit Risk Manager (Roma)
🏢 Ford Lincoln Veteran Careers Program
📍 Roma