Credit Risk Surveillance Analyst | Risk

Natixis in Portugal; Porto; On-site; EUR 42,000 - 62,000; Full time

Benefits offered by this job

Green Transportation Budget

Hybrid Work Policy

Honolulu Wellness Club

Prayer Room

Lactation Room

Themed Villages

Job summary

Natixis is seeking a Credit Risk Analyst – Data & Compliance to join the Credit Risk Monitoring (CRM) team in Porto, Portugal. You will work within an international group (Paris/Charenton and Porto) to strengthen data governance, regulatory compliance, and risk monitoring processes.

This role focuses on forbearance, watchlist management, credit alerts, and building solutions to enhance data exploitation. Excellent communication and analytical skills are essential, with fluency in English.

Qualifications

• More than three years of experience in a bank or financial institution.
• Excellent knowledge of banking regulations related to credit risk.
• Experience in credit portfolio analysis and monitoring.
• Ability to train, facilitate and share complex concepts with Natixis teams.

Responsibilities

• Ensure internal procedures regarding forbearance, watchlist counterparties, and credit alerts align with regulatory framework.
• Drive monitoring of watchlist counterparties and refine the framework for anticipating credit risk downgrades.
• Participate in cross-functional projects to strengthen risk management for weakened counterparties.
• Lead training sessions within Natixis to respond to requests for expertise on defaults, forbearance, and credit alerts.
• Share risk culture with business teams in an international environment.

Skills

Credit risk

Regulatory compliance

Watchlist management

Data governance

Analytical skills

Communication skills

Job description

Job Description

Contribute to the performance of the Natixis Credit Risk Department as a Credit Risk Analyst – Data & Compliance within the Credit Risk Monitoring (CRM) team. You will work within an international team (Paris/Charenton and Porto) whoseobjectivesare:

• Data Governance & Quality:Control andoptimizethecreditrisk data lifecycle (governance, controls, remediation).
• Regulatory & Internal Compliance:Ensure alignment with regulatory requirements and internal policies.
• Automation & Innovation:Develop and implement solutions for better data exploitation and enhanced risk processes.
• Committee Coordination:Lead andfacilitatecredit risk monitoring bodies.

You will play a key role in mastering credit risk, focusing onanticipatingcreditdowngradesand respecting reference frameworks.Yourmissionswillbeto:

• Ensure that our internal proceduresregardingforbearance, watchlistcounterparties, and credit alerts are in perfect alignment with the regulatory framework.
• Drive the monitoring of watchlistcounterparties and refine our framework foranticipatingcredit risk downgrades.
• Activelyparticipatein cross-functional projects aimed at strengthening our risk management for weakened counterparties.
• Lead animation and training sessions within Natixis to respond to requests forexpertiseon defaults, forbearance, and credit alerts. You willparticipatein sharing the risk culture with the business teams. You will work in an international environment, within a community of experts that places excellence, impact, and collective action at the heart of everything it does.

Qualifications

Who are you?If you recognize yourself in the following description, you are made to work with us:

• You have more than three years of experience in a similar role, ideally within a bank or a financial institution.

Key skills and experience include:

• Excellent knowledge of banking regulations related to credit risk, particularly forbearance, watchlistcounterparty management, and credit alerts (e.g., Basel III/IV, LCR, etc.).
• Experience in credit portfolio analysis,identifyingweak signals ofdowngradeand implementing effective monitoring strategies.
• The ability to train,facilitate, and effectively share complex concepts with various Natixis teams. Excellent oral and written communication skills.
• You have excellent interpersonal skills, great listening abilities, and you are:

• Rigorous and proactive
• Endowed with strong analytical and synthesis skills
• Adaptablein order toachieve your goals

You are fluent in English with 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.