Credit Risk Manager

Aventus; Paris; On-site; EUR 120,000 - 160,000; Full time

Job summary

Aventus, a well-established bank based in Paris and part of an international banking group, seeks an experienced Head of Credit Risk to lead its credit risk function. Reporting to the Chief Risk Officer, you will oversee credit decisions, monitor portfolio risk across group entities, and ensure French and European regulatory compliance.

You will lead a dedicated team, draft credit policies, produce portfolio reporting for senior management, and support ACPR reporting.

Qualifications

• 7+ years in credit risk, credit analysis, or credit commitments within a bank, incl. team management.
• Solid knowledge of French and European banking regulatory framework incl. ACPR reporting.
• Fluent in French and English, with strong report-writing and presentation skills for senior audiences.
• Experience with NPL management, provisioning (IFRS 9), and stress testing.

Responsibilities

• Oversee the assessment of credit applications and credit-granting decisions, ensuring compliance with internal policies.
• Lead and develop the credit commitments team, driving its performance.
• Identify, assess, and manage credit risk across loan portfolios, including monitoring authorised and unauthorised limit overruns.
• Report to and lead the Credit Risk Committee, setting KPIs and risk-monitoring tools.
• Manage non-performing loans and provisioning, and run stress tests and scenario analysis to anticipate emerging risks.
• Draft and update credit policies and procedures in line with regulation, in coordination with group entities and the parent company.
• Produce credit portfolio reporting for senior management and the parent group, deliver ACPR regulatory reporting, and support group entities with local regulatory reporting.
• Partner with commercial teams on tailored financing solutions and contribute to process improvement and cross-functional risk projects.

Skills

Credit risk management

Team leadership

Regulatory reporting

Credit analysis

Stress testing

NPL provisioning

Policy development

Stakeholder communication

Education

Master’s degree in Finance/Banking/Economics

Tools

IFRS 9

Job description

Our client, a well-established bank based in Paris and part of an international banking group, is looking for an experienced Head of Credit Risk to lead its credit risk and credit commitments function. Reporting to the Chief Risk Officer, you will oversee credit decisions, monitor portfolio risk across group entities, and make sure the bank meets French and European regulatory requirements. You will lead a dedicated team and give senior management a clear view of credit risk across the organisation.

Key Responsibilities

• Oversee the assessment of credit applications and credit-granting decisions, ensuring compliance with internal policies
• Lead and develop the credit commitments team, driving its performance
• Identify, assess, and manage credit risk across loan portfolios, including monitoring authorised and unauthorised limit overruns
• Report to and lead the Credit Risk Committee, setting KPIs and risk-monitoring tools
• Manage non-performing loans and provisioning, and run stress tests and scenario analysis to anticipate emerging risks
• Draft and update credit policies and procedures in line with regulation, in coordination with group entities and the parent company
• Produce credit portfolio reporting for senior management and the parent group, deliver ACPR regulatory reporting, and support group entities with local regulatory reporting
• Partner with commercial teams on tailored financing solutions and contribute to process improvement and cross-functional risk projects

Key Requirements

• Master’s degree in Finance, Banking, Economics, or a related field
• 7+ years in credit risk, credit analysis, or credit commitments within a bank, including team management experience
• Solid knowledge of the French and European banking regulatory framework, including ACPR reporting and prudential requirements
• Strong credit analysis skills and hands-on experience with credit-granting processes and credit committees
• Experience with NPL management, provisioning (ideally IFRS 9), and stress testing
• Proven ability to lead, train, and motivate a team
• Fluent in French and English, with strong report-writing and presentation skills for senior audiences
• Rigorous and analytical, with the confidence to challenge commercial teams and build relationships at all levels; multi-entity or international group experience is a plus