Credit Risk Management Analyst

State Street; Kraków; Hybrid; PLN 58,000 - 78,000; Full time

Benefits offered by this job

Permanent contract

Extra holidays

Gold medical package

Life insurance

Training programs

Volunteer opportunities

Well-being programs

Role-based benefits

Job summary

State Street in Kraków is seeking a Credit Risk Analyst to conduct comprehensive quantitative and qualitative analysis of real money funds within the Enterprise Risk Management division.

You will independently assess credit risk for counterparties, monitor market developments, and support guideline changes and ad-hoc analytical needs across global teams. The role emphasizes process automation and continuous improvement.

Qualifications

• Master’s Degree in Finance or Business-related field.
• 1+ years of counterparty credit risk management in a global financial institution.
• Fluency in English; additional language skills (Italian, German, French) advantageous.
• Advanced Microsoft Office skills; VBA/SQL is a plus.
• Strong analytical and attention to detail.
• Ability to work independently and in a team; good time management.
• Ability to learn new product lines and technologies.

Responsibilities

• Independently perform credit assessments and provide risk rating recommendations.
• Monitor market developments impacting counterparties.
• Support business areas with guideline changes and ad-hoc analytical needs.
• Lead departmental risk management projects as assigned.
• Oversee ERM processes including risk analytics and reports.
• Automate Credit Risk processes with cross-functional teams.
• Support process improvements and innovations.
• Provide guidance and coaching to team members.
• Plan and allocate resources efficiently.
• Drive quality and process improvements.
• Collaborate with risk officers and IT across global sites.

Skills

Fluency in English

Attention to detail

Analytical skills

Time management

Communication skills

Team collaboration

Education

Master’s Degree in Finance or Business-related field

Tools

MS Office (Access, Excel, PowerPoint, Word)

VBA/SQL

Job description

Minimum Salary zł68,004 Annual

Supporting business units across the corporation, the Enterprise Risk Management (ERM) division within SS Corporation establishes and maintains appropriate risk management policies, guidelines and limits, and assists executive and business level management with minimalizing operational, market, credit legal, regulatory and other risks to the company. The Credit Risk Analyst will have responsibility for conducting comprehensive quantitative and qualitative analysis of real money funds.

Scope Of Responsibilities

• Independently perform credit assessments where applicable of State Street counterparties and provide credit risk rating recommendations based on fundamental risk analysis
• Proactively monitor market and other developments impacting assigned counterparties
• Collaborate with Credit Approvers in supporting the business areas with guideline changes, timely analytical needs and other ad-hoc requirements.
• Participate in or lead a variety of departmental risk management project as assigned
• Oversight of the complex ERM processes followed by required analyses that may include: analyzing risk information to produce risk related analytics, reports, scenarios, performing various other Ad-hoc analysis, etc;
• Automate Credit Risk processes, working with risk officers, IT, and other project team members in several global sites to define process and technology targets;
• Proactively support process improvements as well as innovations opportunities;
• Provide guidance, training and coaching to those with whom there are direct management responsibilities and others as determined appropriate;
• Drive and inspire others in delivering quality and process improvement initiatives;
• Efficiently plan and allocate resource to get things done.

Required Qualifications

• Fluency in English
• One or more of the following language skills would be an advantage: Italian, German, French
• Master’s Degree Finance or Business related degree;
• Advanced Microsoft Office skills (Access, Excel, PowerPoint, Word). Experience in VBA/ SQL is a plus but not required
• 1+ years of counterparty credit risk management in a global financial institution, or related experience, with a broad knowledge of credit and capital market products
• Prior analytical experience and/or formal training in financial institution credit is strongly preferred
• Strong attention to detail and analytical skills
• Ability to work well both independently and in a team environment and collaborate on time sensitive credit approval requests
• Very good self and team time management skills;
• Team player with strong verbal and written communication skills as well as task hierarchy set up skills.
• Ability to learn quickly on new product lines and technology platforms;
• Front-office mentality and culture;
• Appetite to know unknown, search and find;
• Demonstrated high energy and strong motivation to add value to the organization.

Note

The role requires a minimum of three days per week working form the office

Minimum Salary zł68,004 Annual

The minimum salary quoted above applies to the role in the primary location specified. If the candidate ultimately works outside of this primary location, the applicable minimum salary may differ. Salary will be determined based on factors such as the position, type of work performed, individual skills, job description, working hours, diligence, initiative, self-management, length of employment, availability, and the quantity and quality of work delivered, as well as other objective and non-discriminatory criteria relevant to State Street employees. In addition to salary, employees are eligible to be considered for discretionary annual performance-based awards.

We Offer

• Permanent contract from day one
• Additional holidays (Birthday Day Off, 3rd and 5th year anniversary Day Off)
• Gold Medical Package for employees and their families (partner and children)
• Premium life insurance package and private pension plan
• Wide range of soft skills training, technical workshops, language classes and development programs
• Opportunities to volunteer your time to company-driven initiatives, employee networks or organizations of your choice
• Variety of well-being programs
• Additional benefits available depending on the seniority of the role

About State Street

Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success.

We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. As an essential partner in our shared success, you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most. Join us in shaping the future.

As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law.

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