Credit Risk Analyst
iBanFirst
- București
- Permanent
- Full-time
- Carrying out financial analysis on clients and liquidity providers and making recommendations that align with best practices and the group's risk appetite.
- Managing multiple credit requests in a timely and effective fashion, producing well-researched and accurate credit reviews, and working directly with sales teams across business units to address credit requests and issues.
- Taking ownership in developing processes and procedures to limit risk and improve credit risk management efficiency.
- Preparing margin setup proposals for consideration by the client and management.
- Ensuring that the credit risk exposure of a client is within the risk limits.
- Monitoring and reporting a client's initial margin and variation margin position.
- Monitoring and reporting the exposure concentration of the group's credit portfolio.
- Monitoring the progress of a margin call.
- Monitoring changing market conditions that might affect the credit quality of the group's credit risk exposure. Providing timely alerts to the management for appropriate actions.
- Preparing credit risk MI reports for senior management and relevant stakeholders.
- Communicating effectively with various departments to convey risk-related insights and recommendations.
- Coordinating and participating in the Credit Risk Committee and following up on all action points.
- Bachelor's or Master's degree in Finance, Economics, Risk Management, or a related field; advanced degree or relevant certifications (e.g., FRM, CFA) are a plus.
- At least two years of experience in credit risk management within the financial services industry.
- Exceptional analytical and problem-solving skills with the ability to interpret complex data.
- Excellent communication and interpersonal skills.
- Ability to work in a dynamic business and simultaneously demonstrate experience working on several projects.
- Good understanding of financial products
- A “can-do” attitude and take ownership of the assigned tasks
- High standards of oral & written Romanian and English are mandatory.
- Fluency in other European languages (e.g. German, Spanish, Dutch, French, etc.) is desirable.
- Various missions and projects in an innovative and rising start-up in a thriving industry (fintech)
- A key role and a unique opportunity to shape the future of iBanFirst
- A great, professional and international team with a flat hierarchy
- A nice work environment