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- Employment
- Full-time
About the role
Key Responsibilities
- Calculation and monitoring of Expected Credit Losses (ECL) in accordance with IFRS 9 requirements
- Support and enhancement of IFRS 9 impairment methodologies, models, and related documentation
- Development, validation, and monitoring of risk parameters including Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD)
- Performing back-testing, sensitivity analysis, and stress testing of credit risk models
- Participation in internal and external audit processes, including preparation of supporting documentation and explanations
- Preparation of regular risk and impairment reports for management, regulatory, and financial reporting purposes
- Conducting ad-hoc portfolio analysis and identifying key credit risk trends
- Automation and optimization of reporting and risk calculation processes
- Support and development of credit risk management policies, methodologies, and procedures
- Collaboration with finance, risk, analytics, and regulatory teams on credit risk and provisioning topics
Skills, Knowledge and Expertise
- 2+ years of experience in credit risk, IFRS 9, risk analytics, or financial risk management
- Strong understanding of IFRS 9 impairment methodology and ECL calculation principles
- Experience with PD, LGD, and EAD modeling approaches
- Understanding of model validation, stress testing, and back-testing techniques
- Strong analytical and quantitative skills
- Advanced SQL skills and practical experience with Python, SAS, R, or similar analytical tools
- Experience working with large datasets and financial reporting processes
- Knowledge of banking products and credit risk metrics
Why join us
- Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries.
- Develop your professional skills with access to mentoring, career consulting, and learning programs.
- Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program.
- Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects.
- Work alongside people who take initiative, speak openly, and challenge themselves to grow.
- Improve your language skills through co-financed courses and internal speaking clubs.
- Annual salary from 70 700 EUR gross.
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