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Description

The Loan Quality team is looking for an experienced professional who combines credit risk management expertise with strong analytical capabilities.

Position Objective:

This role provides an independent evaluation of the performance and credit risk profile of the Bank’s loan portfolio, detects early indications of declining portfolio quality, and recommends suitable risk management actions. It also helps develop the Loan Quality Unit’s analytical capabilities and produces reports to inform management decisions.

Responsibilities

Principal Duties:

• Perform regular and thematic reviews of the loan portfolio across customer segments, economic sectors, products, currencies, and other risk attributes.
• Track indicators that measure portfolio quality.
• Detect concentrations of risk, unfavorable trends, and drivers of declining portfolio quality; recommend suitable actions and monitor the implementation of approved recommendations.
• Evaluate how macroeconomic and sector developments affect portfolio quality, and participate in scenario analysis and credit risk stress-testing exercises.
• Develop reports and presentations for senior management and the relevant committees, presenting thoroughly supported findings and concrete recommendations.
• Work with the relevant units to enhance data quality, analytical methods, and reporting process automation.
• Help refine policies and procedures for monitoring credit risk, while encouraging the exchange of knowledge within the unit.

Qualifications

Required Background and Experience:

• Hold a university degree in Finance, Economics, Business Informatics, Statistics, or a related discipline. A Master of Science degree is an advantage.
• Bring at least four years of relevant professional experience in Credit Risk, Risk Management, Financial Risk Advisory, or related fields, acquired in banking, a Big Four firm, or another reputable financial or professional services organization. Experience must include loan portfolio analysis, credit risk assessment, IFRS 9, or related risk advisory assignments.
• Demonstrate a solid understanding of credit risk indicators, financial analysis, risk concentrations, and early warning mechanisms.
• Understand IFRS 9 concepts, including Expected Credit Loss (ECL), Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Significant Increase in Credit Risk (SICR).
• Possess advanced Excel proficiency and strong capabilities in processing, validating, and analyzing large datasets. Familiarity with Power BI or comparable tools is an advantage.
• Show a strong capacity to interpret data, determine the underlying reasons for changes, and turn analytical results into practical recommendations that can be implemented.
• Be able to work autonomously, apply sound professional judgment, and communicate clearly in both spoken and written form.
• Have a very good level of English proficiency.

Description

The Loan Quality team is looking for an experienced professional who combines credit risk management expertise with strong analytical capabilities.

Position Objective:

This role provides an independent evaluation of the performance and credit risk profile of the Bank’s loan portfolio, detects early indications of declining portfolio quality, and recommends suitable risk management actions. It also helps develop the Loan Quality Unit’s analytical capabilities and produces reports to inform management decisions.

Responsibilities

Principal Duties:

• Perform regular and thematic reviews of the loan portfolio across customer segments, economic sectors, products, currencies, and other risk attributes.
• Track indicators that measure portfolio quality.
• Detect concentrations of risk, unfavorable trends, and drivers of declining portfolio quality; recommend suitable actions and monitor the implementation of approved recommendations.
• Evaluate how macroeconomic and sector developments affect portfolio quality, and participate in scenario analysis and credit risk stress-testing exercises.
• Develop reports and presentations for senior management and the relevant committees, presenting thoroughly supported findings and concrete recommendations.
• Work with the relevant units to enhance data quality, analytical methods, and reporting process automation.
• Help refine policies and procedures for monitoring credit risk, while encouraging the exchange of knowledge within the unit.

Qualifications

Required Background and Experience:

• Hold a university degree in Finance, Economics, Business Informatics, Statistics, or a related discipline. A Master of Science degree is an advantage.
• Bring at least four years of relevant professional experience in Credit Risk, Risk Management, Financial Risk Advisory, or related fields, acquired in banking, a Big Four firm, or another reputable financial or professional services organization. Experience must include loan portfolio analysis, credit risk assessment, IFRS 9, or related risk advisory assignments.
• Demonstrate a solid understanding of credit risk indicators, financial analysis, risk concentrations, and early warning mechanisms.
• Understand IFRS 9 concepts, including Expected Credit Loss (ECL), Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Significant Increase in Credit Risk (SICR).
• Possess advanced Excel proficiency and strong capabilities in processing, validating, and analyzing large datasets. Familiarity with Power BI or comparable tools is an advantage.
• Show a strong capacity to interpret data, determine the underlying reasons for changes, and turn analytical results into practical recommendations that can be implemented.
• Be able to work autonomously, apply sound professional judgment, and communicate clearly in both spoken and written form.
• Have a very good level of English proficiency.