Risk Manager

As part of strengthening our risk management system, we are looking for a Risk Manager responsible for identifying, measuring, monitoring, and contributing to the control of the main risks to which the Group is exposed.

Reporting to the General Management / Risk Department, the Risk Manager contributes to the implementation and improvement of the risk management framework and ensures regular monitoring of risk exposure at the entity level and, where applicable, of the Group's various subsidiaries.

Main Missions

Risk Management and Monitoring

• Identify, analyse and assess the main risks to which the institution is exposed.
• Ensure risk monitoring in accordance with policies and limits approved by Management and governance bodies.
• Establish and monitor key risk indicators (KRI – Key Risk Indicators).
• Prepare regular analyses on the evolution of the risk profile.
• Identify limit breaches and propose appropriate corrective measures.
• Participate in updating the risk mapping.
• Contribute to the implementation and improvement of the risk control system.

Credit Risk

• Analyse and monitor the quality of the credit portfolio.
• Monitor credit risk indicators: NPL, PAR, concentration, provisions, coverage, cost of risk, etc.
• Analyse portfolio developments and identify main trends of deterioration or improvement.
• Monitor large exposures and sectoral, geographical and counterparty concentrations.
• Participate in analysing credit files presenting a high level of risk.
• Contribute to monitoring provisions and expected losses.
• Produce analyses and recommendations for Management and competent Committees.

Market and Liquidity Risks

• Ensure monitoring of key market and liquidity risk indicators.
• Monitor positions, limits and any breaches.
• Participate in preparing liquidity analyses and financing needs.
• Contribute to stress testing and scenario analysis exercises.
• Participate in monitoring applicable prudential ratios.

Operational Risk

• Identify and assess operational risks related to the institution's activities.
• Participate in updating the operational risk mapping.
• Ensure monitoring of incidents and operational losses.
• Monitor action plans aimed at reducing identified risks.
• Contribute to raising employee awareness of operational risks.

Reporting and Governance

• Prepare risk reports for General Management and governance bodies.
• Prepare materials for the Risk Committees.
• Produce ad hoc analyses at Management's request.
• Ensure follow-up of recommendations from internal audits, external audits and supervisory authorities.
• Participate in preparing regulatory risk-related reports.
• Contribute to drafting and updating risk management policies and procedures.
• Ensure ongoing training within the Group's units.

Profile Sought

Education

• University degree or HES in finance, economics, management, financial mathematics, statistics, financial engineering or equivalent training.
• Additional training in Risk Management, Finance or banking risk management is an advantage.
• A professional certification in risk management is a plus.

Professional Experience

• 3 to 7 years of experience in risk management, ideally in the banking or financial sector.
• Proven experience in credit risk.
• Experience in monitoring market, liquidity or operational risks is an advantage.
• Experience in an international or multi-company banking environment is highly appreciated.

Technical Skills

• Very good knowledge of banking risk management principles.
• Good mastery of credit and portfolio risk indicators.
• Good knowledge of prudential ratios and requirements applicable to financial institutions.
• Mastery of financial and quantitative analysis techniques.
• Good command of Excel; knowledge of Power BI, SQL or data analytics tools is an advantage.
• Ability to build dashboards and risk reports.
• Good ability to analyse and interpret financial data.
• Knowledge of regulatory frameworks Basel III / Basel IV, ICAAP, ILAAP and stress testing is an asset.