What will you be doing?
- Assess customer credit risk to ensure alignment with the bank’s risk appetite and policies.
- Prepare comprehensive risk opinions for management and credit committees.
- Monitor credit portfolio quality, identify trends, and suggest mitigation strategies.
- Manage credit provisioning to maintain sufficient reserves for potential losses.
- Track and report breaches of credit limits, recommending appropriate actions.
- Develop and refine credit risk models to enhance creditworthiness evaluation.
- Establish and monitor risk limits and key risk indicators (KRIs).
- Validate the accuracy and completeness of credit risk data.
- Provide risk reports and consult business units from a second-line-of-defence perspective.
- Support internal and external audits with necessary documentation and insights.
- Advise client-facing teams on credit risks for key clients and sectors.
- Assist with onboarding and training new risk team members.
- Perform additional responsibilities as assigned by the CRO or in line with internal policies.
What will help you succeed?
- Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
- 2+ years of experience in credit risk analysis, credit portfolio management, or a similar role in banking.
- Strong analytical and problem-solving skills with attention to detail.
- Good knowledge of credit risk modelling and risk frameworks.
- Excellent communication and report writing skills.
- Ability to work independently and collaboratively across teams.
- Proficiency in Microsoft Office (especially Excel and PowerPoint); knowledge of risk systems or data tools is an advantage.
What do we offer?
- Join an Experienced, Professional Team: Be part of a dynamic team building a brand-new bank from the ground up.
- Opportunity to Make an Impact: Contribute to the growth of a rapidly expanding company and see the direct impact of your work.
- Competitive Salary: Earn a salary that reflects your level of experience and competencies (Salary – 3000 – 4700 eur/gross).
- Health Benefits: Access additional health insurance after probation period.
- Work-Life Balance: Enjoy flexible working hours and hybrid working arrangements that suit your lifestyle.
- Pet-Friendly Office: Bring your furry friends to our pet-friendly office.
- Office Perks: Enjoy snacks in the kitchen.
- Company Events: Participate in regular company events to foster team spirit and camaraderie.
- Branded Gifts: Receive branded gifts as a token of our appreciation for your hard work.
- Referral Bonuses: Earn attractive referral bonuses for recommending top talent to join our team.