Credit Risk Manager

Ford - Lincoln Veteran Careers Program; Roma; On-site; EUR 90,000 - 140,000; Full time

Job summary

Ford in Rome, Italy seeks an experienced Credit Risk Manager to lead the underwriting and risk analysis of Retail and Corporate portfolios. You will evaluate creditworthiness, manage IFRS 9 impairment and regulatory reporting, and report risk exposures to senior management.

The ideal candidate has several years in Credit Risk, proven team leadership, and a strong command of English. Deep knowledge of PD, LGD, and EAD modelling and policy development is required to balance growth with risk.

Qualifications

• Several years of experience in Credit Risk, with IFRS 9 impairment framework expertise.
• Proven experience leading teams in risk management.
• Strong analytical skills with ability to interpret PD, LGD and EAD models.

Responsibilities

• Credit underwriting for Retail and Corporate portfolios ensuring alignment with risk appetite.
• Oversee IFRS 9 staging and impairment processes.
• Regulatory reporting on asset quality and NPE ratios for authorities.
• Prepare regular risk reports for top management on risk exposure and reserve adequacy.
• Monitor portfolio performance to identify early signs of deterioration.
• Contribute to policy development and scoring model refinement.

Skills

Credit risk analysis

IFRS 9 impairment

Regulatory reporting

Team leadership

English proficiency

Job description

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.

Key responsibilities

• Credit Underwriting: Responsible for a team in charge of performing 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: Oversight 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.
• Proven Experience: Several years of experience s 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.
• Proven experience leading teams