Credit Risk Manager

Lincoln Motor Company; Roma; On-site; EUR 90,000 - 130,000; Full time

Job summary

Lincoln Motor Company in Rome is seeking a Credit Risk Manager with extensive underwriting experience across Retail and Corporate portfolios. You will evaluate creditworthiness, manage risk provisions, and ensure full regulatory reporting compliance.

You will lead a team responsible for IFRS 9 staging, stage migration, and monitoring asset quality. The role requires deep knowledge of PD/LGD/EAD models and strong English proficiency to interact with international stakeholders.

Qualifications

• Experience leading credit risk teams.
• Strong knowledge of IFRS 9 impairment framework.
• Experience in underwriting both Retail and Corporate portfolios.
• Fluent English required.

Responsibilities

• Credit underwriting for Retail and Corporate portfolios.
• Oversee IFRS 9 staging and stage migration processes.
• Regulatory reporting regarding asset quality and NPE ratios.
• Deliver regular risk reports to top management.
• Portfolio monitoring to identify early warning signs of deterioration.
• Contribute to policy development and scoring model refinement.
• Lead and develop the credit risk team.
• Understand PD/LGD/EAD models across stages.

Skills

Credit risk management

Underwriting experience

IFRS 9 knowledge

Regulatory reporting

PD/LGD/EAD modeling

Team leadership

English proficiency

EBA guidelines

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.

• 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