Credit Risk Manager

Ford Credit; Roma; In loco; EUR 90.000 - 120.000; Tempo pieno

Descrizione del lavoro

Ford Credit in Rome is seeking a highly analytical Credit Risk Manager with extensive experience in underwriting and monitoring consumer portfolios. You will evaluate creditworthiness, manage risk provisions, and ensure compliance with regulatory reporting standards.

The role focuses on IFRS 9 stage management, credit analysis for Retail and Corporate, and development of risk policies to balance growth and risk.

Competenze

• Minimum 5+ years in Credit Risk with IFRS 9 experience.
• Strong understanding of credit triggers and reclassification.
• Familiarity with EBA guidelines on NPE and forborne exposures.
• Ability to interpret PD, LGD and EAD across stages.
• Full professional proficiency in English.

Mansioni

• Credit Underwriting for Retail and Corporate applicants in line with risk appetite.
• IFRS 9 Stage Management for asset classification.
• Lead Regulatory Reporting on asset quality and NPE ratios.
• Regular risk exposure reporting to senior management.
• Monitor portfolio trends and refine credit policies.

Conoscenze

Credit risk analysis

IFRS 9 impairment

Regulatory reporting

PD/LGD/EAD models

English proficiency

Descrizione del lavoro

We are looking for a highly analytical and experienced Credit Risk Manager. The ideal candidate will have extensive experience in the consumer credit sector, with a strong focus on underwriting both retail and corporate portfolios. You will be responsible for evaluating creditworthiness, managing risk provisions, and ensuring full compliance with regulatory reporting standards.

Position Responsibilities

Credit Underwriting: Perform comprehensive credit analysis and decision-making for both Retail and Corporate applicants, ensuring alignment with the company's risk appetite.

IFRS 9 Stage Management: Oversee the Credit Reclassification process, ensuring assets are accurately categorized into Stages according to international accounting standards and Default Definition

Regulatory Reporting: Lead the preparation of reports regarding asset quality, stage migration, and "Non-Performing Exposure" (NPE) ratios for regulatory authorities.

Reporting: delivering regular reports to the top management on risk exposure and the adequacy of the bad debt reserve

Portfolio Monitoring: Analyze consumer credit trends and performance indicators to identify early warning signs of credit deterioration.

Policy Development: Contribute to the refinement of credit policies and scoring models to optimize the balance between growth and risk.

Required Skills & Experience

• Proven Experience: Minimum 5+ years in Credit Risk with specific expertise in IFRS 9 impairment frameworks.
• Technical Knowledge: Deep understanding of Credit Risk triggers and the qualitative/quantitative criteria for credit reclassification.
• Regulatory Expertise: Familiarity with EBA (European Banking Authority) guidelines on management of non-performing and forborne exposures.
• Analytical Background: Ability to interpret PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) models across different credit stages.
• Full professional proficiency in English (written and verbal) is mandatory.