Senior Consultant - Credit Risk Management (Aarhus or Copenhagen)

EY; Aarhus; Hybrid; DKK 900,000 - 1,200,000; Full time

Benefits offered by this job

Flexible and hybrid working

Direct client exposure

Collaborative team environment

Access to EY specialists

Job summary

EY in Denmark is seeking a Senior Consultant for Credit Risk Management within Financial Services. You will work with banks on issues at the intersection of credit risk, regulation, quantitative analysis and transformation, turning data into actionable insights.

You will join a high-caliber team across Denmark, the Nordics and EY's international network, delivering models, capital analysis and process improvements while collaborating with clients and senior stakeholders.

Qualifications

• Approximately 2–5 years of relevant experience from a bank or financial institution, consulting or a related role.
• Master’s degree in economics, finance, mathematics, statistics, data science, engineering or a similar field.
• Professional proficiency in Danish and English; proficiency in other Scandinavian language is an advantage.
• Strong interest in banking, credit risk and the financial sector.

Responsibilities

• Credit risk management across the lifecycle, from origination and underwriting to monitoring, default and workout.
• Early Warning Systems, UTP, credit monitoring and problem-credit processes.
• IRB, IFRS 9, CRR/CRR3 and other prudential credit-risk topics.
• Credit risk models, model implementation and the use of models in credit decisions.
• Capital and RWA analyses, including opportunities to improve how banks manage capital.
• Credit policies, governance, controls and target operating models.
• Data analysis, automation and the use of new technology in credit risk management.
• Transformation of credit processes and implementation of new requirements in day-to-day banking.

Skills

Credit risk

Data analysis

Ownership

Communication

Education

Master's degree

Tools

Python

SQL

SAS

R

Job description

At EY, we’re all in to shape your future with confidence.

We’ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go.

Join EY and help to build a better working world.

Would you like to help banks make better credit decisions and strengthen how they manage risk across the credit lifecycle? Do you have experience within credit risk, lending, regulation, models or data, and would you like to use that experience on complex projects in the financial sector?

Then you may be one of the Senior Consultants we are looking for in EY’s Credit Risk Management team within Quantitative Advisory Services.

The Exceptional EY Experience. It’s Yours To Build.

The opportunity: Your next adventure awaits

Credit risk is changing. Regulation remains important, but so do better credit decisions, smarter use of data and technology, and strong processes across the full credit lifecycle.

We are looking for one or two Senior Consultants to join our Credit Risk Management team in EY Financial Services. Our work sits at the intersection of credit risk, regulation, quantitative analysis and transformation. You will work directly with banks and other financial institutions on issues that matter to their business, their customers and their risk profile.

You could, for example, help a bank improve its Early Warning setup, implement new regulatory requirements, analyse a credit portfolio, strengthen capital management, redesign credit processes or rethink how data and technology support credit decisions.

You will join a team with a high professional level, close collaboration and room to take responsibility. We work with colleagues across EY in Denmark, the Nordics and our wider international network when a project requires specialist expertise.

Your Key Responsibilities

• Credit risk management across the lifecycle, from origination and underwriting to monitoring, default and workout
• Early Warning Systems, UTP, credit monitoring and problem-credit processes
• IRB, IFRS 9, CRR/CRR3 and other prudential credit-risk topics
• Credit risk models, model implementation and the use of models in credit decisions
• Capital and RWA analyses, including opportunities to improve how banks manage capital
• Credit policies, governance, controls and target operating models
• Data analysis, automation and the use of new technology in credit risk management
• Transformation of credit processes and implementation of new requirements in day-to-day banking

You will work closely with clients, discuss findings with specialists and senior stakeholders, and help turn analysis into solutions that can actually be implemented. As a Senior Consultant, you will also take ownership of smaller workstreams, help ensure the quality of our deliveries and support more junior colleagues.

Skills And Attributes For Success

• You understand credit risk. You have worked with credit risk, lending, regulatory risk, risk models or another closely related area.
• You are analytically strong. You are comfortable working with data and can turn analysis into clear conclusions.
• You take ownership. You can structure a complex problem, get the work moving and deliver with a high degree of independence.
• You communicate clearly. You can explain technical topics without making them more complicated than they need to be.
• You enjoy working with people. You build strong relationships with clients and colleagues with different professional backgrounds.

To qualify for the role, you should have

• Approximately 2–5 years of relevant experience from a bank, another financial institution, consulting or a related role
• A master’s degree in economics, finance, mathematics, statistics, data science, engineering or a similar field
• Professional proficiency in Danish and English; proficiency in other Scandinavian language is an advantage
• A strong interest in banking, credit risk and the financial sector

Experience with Python, SQL, SAS or R is useful, but we do not expect everyone to be a programmer. We are more interested in your professional foundation, your ability to learn and the responsibility you are ready to take.

What We Offer

• Complex and relevant credit-risk projects for financial institutions in Denmark and across the Nordics
• Direct client exposure and increasing responsibility for analyses, deliverables and workstreams
• Close collaboration with colleagues who bring experience from consulting, banking, regulation, modelling and data
• Access to EY specialists in Denmark and internationally when a project calls for additional expertise
• Opportunities to develop as a credit-risk specialist, project leader and trusted client adviser
• Flexible and hybrid working arrangements, combined with an active and supportive team environment

Next steps

You do not need to match every point in the description. If you have a strong foundation in credit risk or banking and this sounds like the kind of work and responsibility you are looking for, we would like to hear from you.

We review applications on an ongoing basis and invite selected candidates for interviews. If you have questions about the role, please contact Rói Danielsen at [e-mail].

We hope you will join the team and look forward to hearing from you!

At EY we celebrate differences and support it. Our employees bring their authentic selves to work every day. We promote diversity of thought, culture and background, and are committed to creating an inclusive EY environment for all employees. EY is an equal opportunity employer for employees and applicants.

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