Senior Provisioning & Deteriorated Portfolio Lead

Jobtailor; Madrid; Presencial; EUR 90.000 - 130.000; Jornada completa

Descripción de la vacante

Jobtailor in Madrid is seeking an experienced Senior Credit Risk professional to lead a small team and oversee the monitoring of deteriorated portfolios, including Stage 2 and 3 assets. You will drive IFRS9 provisioning, NPL management, and risk drivers analysis, while presenting findings to Finance and Holding teams.

You will collaborate with Finance, Risk, and IT, implementing advanced analytics and automation to enhance early warning indicators and drive the portfolio transformation across

Formación

• Degree in Finance, Econometrics, Statistics, Engineering or a quantitative field.
• 8–9 years in credit risk monitoring, focusing on deteriorated portfolios and NPLs.
• Proven ability to analyze financial statements for risk monitoring.
• Strong knowledge of IFRS9, Basel, provisioning requirements.
• Proficiency in PD, LGD and EAD modelling.

Responsabilidades

• Lead and manage a team of 2 professionals.
• Monitor deteriorated portfolios (Stage 2 and 3) and watchlists.
• Prepare presentations for Finance and Holding for management reviews.
• Oversee budgetary process for loan loss provisions and NPLs.
• Enhance estimation processes and monthly asset follow-ups.
• Collaborate with Finance, Work-out, and Credit Risk Admission teams.
• Follow up potential risk deterioration through Focus List.
• Participate in Project Finance committees to detect deterioration.
• Develop forward-looking PDs and assess impact on NPLs and provisions.
• Support transformation projects by automating portfolio monitoring.
• Implement analytics and visualization to embed early warning indicators.

Conocimientos

Leadership

Team Management

Communication

Critical Thinking

Proactive Approach

Excel

SQL

BI Tools

Python

R

Educación

Finance degree

Quantitative field degree

Herramientas

SQL

Business Intelligence Tools

Python

R

Advanced Analytics

Descripción del empleo

Jobtailor in Madrid is seeking an experienced Senior Credit Risk professional to lead a small team and oversee the monitoring of deteriorated portfolios, including Stage 2 and 3 assets. You will drive IFRS9 provisioning, NPL management, and risk drivers analysis, while presenting findings to Finance and Holding teams.

You will collaborate with Finance, Risk, and IT, implementing advanced analytics and automation to enhance early warning indicators and drive the portfolio transformation across