Credit Risk - Data Quality / Surveillance Analyst | Risk

Natixis in Portugal; Porto; Hybrid; EUR 55,000 - 75,000; Full time

Benefits offered by this job

Hybrid work policy

Job summary

Natixis in Portugal is seeking a Risk Analyst in Credit Risk Monitoring to join an international team (Paris/Charenton and Porto). The role focuses on governance, data quality, regulatory alignment, and automation of risk processes within CRM.

Candidates should have 3+ years in credit risk, strong Basel III/IV and regulatory knowledge, excellent communication, and the ability to train and lead teams. Hybrid work model and a diverse, inclusive environment are offered.

Qualifications

• 3+ years of experience in a similar role within credit risk management.
• Strong understanding of banking regulations related to credit risk (e.g., Basel III/IV, LCR).
• Experience analyzing credit portfolios and monitoring deterioration signals.

Responsibilities

• Governance and data quality: master and optimize the credit risk data lifecycle.
• Regulatory and internal compliance: ensure alignment with regulatory requirements and internal policies.
• Automation & Innovation: develop and implement data-utilization solutions and risk processes.
• Committee coordination: participate during credit risk monitoring committees.

Skills

Credit risk management

Regulatory knowledge

Data analysis

Communication

Team leadership

Adaptability

English (B2)

Job description

Company Description

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

Company Description

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

As part of Groupe BPCE’s international division, Natixis in Portugal designs and delivers solutions for its two core areas – Corporate & Investment Banking and Asset & Wealth Management – as well as transversal services that support all entities across the Group.

With more than 3,000 employees representing 46 nationalities, the teams work across Information Technology, Banking Support Activities, and Compliance, in an integrated, inclusive, and cross-functional way, supporting all business lines and platforms of the Group.

A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.

Job Description

Contribute to the performance of Natixis' Credit Risk Management Department as a cross-functional Risk Analyst within the Credit Risk Monitoring (CRM) team. You will work within an international team (Paris/Charenton and Porto) with the following objectives:

• Governance and data quality: master and optimize the credit risk data lifecycle (governance, controls, remediations).
• Regulatory and internal compliance: ensure alignment with regulatory requirements and internal policies.
• Automation & Innovation: develop and implement solutions for better data utilization and enhanced risk processes.
• Committee coordination: intervention during credit risk monitoring committees.

Role

You will play a key role in mastering credit risk, focusing on anticipating deteriorations and adhering to regulation and internal frameworks. Your missions will include:

• Ensuring that our internal procedures related to linkage, segmentation, forbearance, and credit alerts are fully aligned with the regulatory framework.
• Overseeing monitoring of counterparties under watchlist and refining our credit risk anticipation framework.
• Ensure risk oversight through accurate management and monitoring of "grappage" (exposure classification) and limits validated during credit committees.
• Participate in projects aimed at enhancing our risk management framework and automating our key processes in this area.

You will contribute to sharing the risk culture with business teams.

You will work in an international environment, within a community of experts who place excellence, impact, and collective action at the heart of everything they undertake.

Qualifications

• You have more than three years of experience in a similar role, ideally within a credit risk management department, a bank, or a financial institution.
• Key skills and experiences include:
• An excellent understanding of banking regulations related to credit risk, particularly forbearance, early warning indicators, limits and linkage (e.g., Basel III/IV, LCR, etc.).
• Experience in analyzing credit portfolios, identifying early warning signals of deterioration, and implementing effective monitoring strategies.
• The ability to effectively train, lead, and share complex concepts with the various teams at Natixis. Excellent oral and written communication skills.
• You have excellent interpersonal skills, a very good listening ability, you are
• Rigorous and proactive
• Equipped with a good sense of synthesis and analysis
• Adaptable in order to achieve your objectives
• You have a good command of English at a B2 level

Additional Information

Our workplace reflects the vibrant spirit of our locations, with initiatives such as a Green Transportation Budget, electric bikes and a flexible Hybrid Work Policy. We promote wellbeing through the Honolulu Wellness Club, a Prayer Room, a Lactation Room, and themed Villages that inspire creativity and collaboration. Through our ESG and DEI strategies, we are committed to being inclusive, caring, and fair, ensuring every voice is heard and valued.