About the job
Enhance the Group's credit and counterparty risk management by conducting thorough credit analysis, continuous portfolio monitoring, and providing data-driven management information. This role is pivotal in ensuring strong limit governance and delivering forward-thinking insights across various entities.
Key Responsibilities
- Credit Analysis & Reviews: Spearhead assessments of counterparties and clients; maintain up-to-date credit memos and conduct periodic reviews; monitor conditions and implement necessary follow-ups.
- Exposure, Concentration & Limits Monitoring: Generate and analyze reports on credit exposures, limit utilization, concentrations, and exceptions; recommend escalations supported by detailed analysis.
- Credit Management Information & Dashboards: Develop and oversee credit reporting packs that include trend analysis, watchlists, and key drivers of change; collaborate with Quant/Data Engineers to automate and standardize processes.
- Stress/Scenario Inputs: Provide valuable contributions to credit-focused scenarios, sensitivity analyses, and investigations into changes.
- Data Governance: Ensure consistent definitions across exposure measures, limit logic, and entity mapping; document any changes in methodology.
- Governance Support: Prepare materials for ALCO and credit governance forums, ensuring clear tracking of actions and evidence of closure.
Key Deliverables (Examples)
- Credit watchlist and periodic review schedule
- Credit exposure and limits management information with narrative explanations and exceptions
- Credit memos and conditions tracking notes
- Automated credit dashboards (where feasible) and documentation of definitions
Success Metrics
- Enhanced quality of assessment-based credit decisions with clear supporting evidence
- Reduction in unexpected limit issues; improved early-warning systems
- Minimized manual reporting and enhanced data consistency across entities
Benefits
Attractive salary package
Annual performance-based bonus
Comprehensive private medical insurance
