Credit Risk - Data Quality / Surveillance Analyst | Risk

Natixis in Portugal; Deutschland; Hybrid; EUR 45.000 - 75.000; Vollzeit

Benefits dieser Stelle

Green Transportation Budget

electric bikes

Hybrid Work Policy

Honolulu Wellness Club

Prayer Room

Lactation Room

themed Villages

Zusammenfassung

Natixis in Portugal is seeking a Risk Analyst for Credit Risk Monitoring (CRM) to join an international team based in Paris/Charenton and Porto. You will strengthen governance, data quality, and regulatory compliance while driving automation of risk processes and supporting credit risk committees through accurate exposure classification and watchlist monitoring.

The role requires more than three years in a similar function, with strong knowledge of Basel III/IV, forbearance, and early warning

Qualifikationen

• An excellent understanding of banking regulations related to credit risk, particularly forbearance, early warning indicators, limits and linkage (e.g., Basel III/IV, LCR, etc.).
• Experience in analyzing credit portfolios, identifying early warning signals of deterioration, and implementing effective monitoring strategies.
• Ability to train, lead, and share complex concepts with Natixis teams; strong oral and written communication.

Aufgaben

• Ensure internal procedures for linkage, segmentation, forbearance and credit alerts align with regulatory framework.
• Oversee monitoring of watchlist counterparties and refine risk anticipation framework.
• Oversee exposure classification ('grappage') and limits as validated in credit committees.
• Participate in projects to enhance risk management and automate key processes.

Kenntnisse

Credit risk regs

Early warning signals

Forbearance

Regulatory reporting

Communication skills

Training leadership

Jobbeschreibung

Objectives

Contribute to the performance of Natixis' Credit Risk Management Department as a cross-functional Risk Analyst within the Credit Risk Monitoring (CRM) team. You will work within an international team (Paris/Charenton and Porto) with the following objectives:

• Governance and data quality: master and optimize the credit risk data lifecycle (governance, controls, remediations).
• Regulatory and internal compliance: ensure alignment with regulatory requirements and internal policies.
• Automation & Innovation: develop and implement solutions for better data utilization and enhanced risk processes.
• Committee coordination: intervention during credit risk monitoring committees.

Missions

You will play a key role in mastering credit risk, focusing on anticipating deteriorations and adhering to regulation and internal frameworks. Your missions will include:

• Ensuring that our internal procedures related to linkage, segmentation, forbearance, and credit alerts are fully aligned with the regulatory framework.
• Overseeing monitoring of counterparties under watchlist and refining our credit risk anticipation framework.
• Ensure risk oversight through accurate management and monitoring of "grappage" (exposure classification) and limits validated during credit committees.
• Participate in projects aimed at enhancing our risk management framework and automating our key processes in this area.

You will contribute to sharing the risk culture with business teams.

You will work in an international environment, within a community of experts who place excellence, impact, and collective action at the heart of everything they undertake.

Qualifications

You have more than three years of experience in a similar role, ideally within a credit risk management department, a bank, or a financial institution.

Key skills and experiences

• An excellent understanding of banking regulations related to credit risk, particularly forbearance, early warning indicators, limits and linkage (e.g., Basel III/IV, LCR, etc.).
• Experience in analyzing credit portfolios, identifying early warning signals of deterioration, and implementing effective monitoring strategies.
• The ability to effectively train, lead, and share complex concepts with the various teams at Natixis. Excellent oral and written communication skills.

Desired Personal Attributes

• You have excellent interpersonal skills, a very good listening ability, you are
• Rigorous and proactive
• Equipped with a good sense of synthesis and analysis
• Adaptable in order to achieve your objectives
• You have a good command of English at a B2 level

Benefits and Perks

• a Green Transportation Budget
• electric bikes
• a flexible Hybrid Work Policy
• Honolulu Wellness Club
• a Prayer Room
• a Lactation Room
• themed Villages

Our workplace reflects the vibrant spirit of our locations, with initiatives such as a Green Transportation Budget, electric bikes and a flexible Hybrid Work Policy. We promote wellbeing through the Honolulu Wellness Club, a Prayer Room, a Lactation Room, and themed Villages that inspire creativity and collaboration. Through our ESG and DEI strategies, we are committed to being inclusive, caring, and fair, ensuring every voice is heard and valued.

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

As part of Groupe BPCE’s international division, Natixis in Portugal designs and delivers solutions for its two core areas – Corporate & Investment Banking and Asset & Wealth Management – as well as transversal services that support all entities across the Group.

With more than 3,000 employees representing 46 nationalities, the teams work across Information Technology, Banking Support Activities, and Compliance, in an integrated, inclusive, and cross-functional way, supporting all business lines and platforms of the Group.

A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.