CIB Credit Risk Special Monitoring, Provisioning Manager

• Lead and manage a team of 2 professionals
• Monitor the Global CIB deteriorated portfolio (Stage 2 and 3), including the pre-watch list and potential risk deterioration
• Prepare presentations for the Finance Team and Holding to monitor Stage 2-3 CIB portfolios for Senior Management and Supervisors
• Oversee the annual CIB budgetary process regarding loan loss provisions and NPLs
• Enhance annual estimation processes and conduct monthly follow-ups for individual assets (Big Tickets) in coordination with Finance
• Collaborate with Finance, Work-out, and Credit Risk Admission teams on deteriorated portfolio follow-up
• Conduct specific follow-up on potential risk deterioration through the Focus List
• Participate in Project Finance committees to detect potential credit deterioration
• Collaborate with portfolio dynamics teams to establish forward-looking views for PDs and evaluate impact on NPLs and loan loss provisions
• Support the area's transformation project by automating portfolio monitoring processes
• Implement advanced analytics and visualization tools to integrate early warning indicators into risk management

Requirements

• Degree in Finance, Econometrics, Statistics, Engineering, Mathematics, or a quantitative field
• Minimum of 8-9 years of professional experience in credit risk monitoring, specifically focusing on deteriorated portfolios, provision management, NPLs, and credit risk drivers
• Proven expertise in analyzing financial statements and applying these insights to monitoring individual clients and specific projects
• Solid understanding of credit markets and regulations, including IFRS9, Basel, and provisioning
• Proficiency in PD, LGD, and EAD models
• Advanced Excel, SQL, Business Intelligence (BI) tools, and Python/R
• Advanced English (C1 level or higher)
• Strong leadership and team management skills
• Excellent communication
• Proactive approach to digital transformation and AI
• Critical thinking and flexibility

Core Competencies

Demonstrates expertise in credit risk monitoring and management, with a strong focus on deteriorated portfolios, provision management, and advanced analytics. Proficient in financial analysis, regulatory compliance, and team leadership to drive effective risk management strategies.

Highest-signal resume keywords

• Credit Risk Monitoring
• Deteriorated Portfolio Management
• Financial Statement Analysis
• Advanced Excel
• IFRS9 Compliance

Hard Skills

• Credit Risk Drivers
• Provision Management
• NPL Analysis
• PD Models
• LGD Models
• EAD Models
• Statistical Analysis
• Quantitative Analysis
• Data Analysis
• Financial Modeling

Soft Skills

• Leadership
• Team Management
• Communication
• Critical Thinking
• Proactive Approach

Industry Keywords

• Credit Markets
• Basel Regulations
• Loan Loss Provisions
• Portfolio Dynamics
• Digital Transformation

Tools & Technologies

• SQL
• Business Intelligence Tools
• Python
• R
• Advanced Analytics