Credit Risk Manager

Ørsted; Warszawa; On-site; PLN 150,000 - 240,000; Full time

Job summary

Ørsted is seeking a Credit Risk professional to assess and manage counterparty credit risk across a portfolio of corporate and SME customers. You will combine financial analysis with sound credit judgment to support commercial activity, recommend limits, and ensure risks are understood and managed.

You will join the Credit & Liquidity Risk team in Warsaw, working closely with Origination, Sales, Trading, Finance, and Second Line Risk to foster pragmatic risk management that enables growth while

Qualifications

• Experience in corporate credit risk, banking, finance, or similar.
• Able to read accounts, understand ratios, and form a credit view.
• Able to translate financial analysis into actionable recommendations.

Responsibilities

• Perform credit assessments of corporate and SME counterparties.
• Analyse financials, key risk drivers, and business models.
• Recommend internal ratings, PD views, and credit limits.
• Monitor portfolio developments and flag emerging risks.
• Advise stakeholders on credit risk and mitigation options.
• Engage with counterparties to support assessments.
• Improve processes, data quality and reporting.
• Leverage automation, AI and data tools to increase efficiency and scalability.

Skills

Credit risk

Financial analysis

Excel

Python

SQL

BI tools

Tools

Excel

Python

SQL

BI tools

Job description

Join us in this role where you'll assess and manage counterparty credit risk across a portfolio of corporate and SME customers. You'll combine financial analysis with sound credit judgement to support commercial activity, recommend limits, and ensure risks are understood and managed. At the same time, you'll help improve how we work through data, automation, and AI.

Welcome to Trading & Revenue

You'll join the Credit & Liquidity Risk team, working closely with Origination, Sales, Trading, Finance, and Second Line Risk. We sit close to the business and focus on pragmatic risk management that enables growth while protecting the company.

We work in a straightforward way, challenge each other, and continuously look to simplify and improve what we do.

You’ll play an important role in

• performing credit assessments of corporate and SME counterparties
• analysing financials, key risk drivers, and business models
• recommending internal ratings, PD views, and credit limits
• monitoring developments across the portfolio and flagging emerging risks
• advising stakeholders on credit risk and mitigation options
• engaging with counterparties where needed to support assessments
• improving processes, data quality, and reporting
• using automation, AI and data tools to make our work more efficient and scalable

To succeed in the role, you

• have experience in corporate credit risk, banking, finance, or similar
• are comfortable reading accounts, understanding ratios, and forming a credit view
• can translate financial analysis into clear, practical recommendations
• have an interest in internal rating approaches / PD thinking
• show sound judgement and a pragmatic approach to risk vs. business
• communicate clearly and work well with non-risk stakeholders
• are curious and open to improving ways of working through data and AI
• have strong Excel skills; Python / SQL / BI tools are a plus

Maybe you've read the above and can see you have some transferable skills, even though they don't quite match all the points. If you think you can bring something to the team, we still encourage you to apply.

Shape the future with us

We're actively building more data- and AI-driven ways of working in credit risk. If you're interested in both credit and improving how it's done, this is a good place to be.

As an applicant or employee, you may request reasonable work and position accommodation or adjustments via [e-mail].