# Credit Risk Manager

**Company**: Ford
**Location**: Rome, Lazio
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Automotive

**Apply**: https://efds.fa.em5.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1/job/73726?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_7496df73-4a4

## Description

We are looking for a highly analytical and experienced Credit Risk Manager. The ideal candidate will have extensive experience in the consumer credit sector, with a strong focus on underwriting both retail and corporate portfolios.

You will be responsible for evaluating creditworthiness, managing risk provisions, and ensuring full compliance with regulatory reporting standards.

## Responsibilities

- Credit Underwriting: Responsible for a team in charge of performing comprehensive credit analysis and decision-making for both Retail and Corporate applicants, ensuring alignment with the company’s risk appetite.

- IFRS 9 Stage Management: Oversee the Credit Reclassification process, ensuring assets are accurately categorized into Stages according to international accounting standards and Default Definition.

- Regulatory Reporting: Oversight the preparation of reports regarding asset quality, stage migration, and "Non-Performing Exposure" (NPE) ratios for regulatory authorities.

- Reporting: Delivering regular reports to the top management on risk exposure and the adequacy of the bad debt reserve.

- Portfolio Monitoring: Analyze consumer credit trends and performance indicators to identify early warning signs of credit deterioration.

- Policy Development: Contribute to the refinement of credit policies and scoring models to optimize the balance between growth and risk.

## Qualifications

- Proven Experience: Several years of experience in Credit Risk with specific expertise in IFRS 9 impairment frameworks.

- Technical Knowledge: Deep understanding of Credit Risk triggers and the qualitative/quantitative criteria for credit reclassification.

- Regulatory Expertise: Familiarity with EBA (European Banking Authority) guidelines on management of non-performing and forborne exposures.

- Analytical Background: Ability to interpret PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) models across different credit stages.

- Full professional proficiency in English (written and verbal) is mandatory.

- Proven experience leading teams

## Skills

### Required
- Credit Risk
- IFRS 9
- Regulatory Reporting
- Credit Underwriting
- Portfolio Monitoring
- English

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