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-*****-Ljbffr

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