bOverview /b pIn 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 /p bResponsabilità /bulliLead underwriter team for Retail and Corporate credit analysis and decision-making in line with risk appetite /liliOversee IFRS 9 Stage Management and asset staging classifications /liliCoordinate regulatory reporting for asset quality, stage migration,



and NPE ratios /liliProvide regular risk exposure updates and adequacy of bad debt reserve to top management /liliMonitor portfolio performance and early warning indicators to preempt credit deterioration /liliContribute to policy development and refinement of scoring models to balance growth and risk /li /ul bRequisiti fondamentali /bulliExtensive experience in Credit Risk with IFRS 9 impairment expertise /liliDeep understanding of PD, LGD, and EAD models across stages /liliFamiliarity with EBA guidelines on non-performing and forborne exposures /liliProven leadership experience /liliProficiency in English (written and verbal) /li /ulullileadership /lilianalytical mindset /lilistakeholder communication /liliIFRS 9 impairment framework /liliPD/LGD/EAD modeling /liliregulatory reporting /li /ul

📌 Credit Risk Manager (Cagliari)
🏢 Ford
📍 Cagliari