We are looking for an analytical and detail-oriented
professional to join our Provisions Modelling team. The purpose of
this role is to ensure accurate and data-driven provisioning across
multiple European portfolios in accordance with IFRS 9 standards.
The Credit Risk Analyst (Provisions Analyst) will contribute to the
development and monitoring of PD, LGD and ECL models, ensure proper
provisioning levels, and support business decisions through
insightful analysis of portfolio performance across three product
lines and twelve countries. This role requires close collaboration
with colleagues from Risk, Finance, and other teams to align
assumptions, improve model accuracy, and maintain consistent
provisioning practices across the Group. Key Responsibilities:
Provision Modelling and Monitoring Support the development,
monitoring, and enhancement of IFRS 9 models (PD, LGD, ECL).
Perform quantitative analyses to assess provision adequacy and
trends across portfolios. Portfolio Analytics Analyze portfolio
performance across multiple countries and product segments.
Identify drivers of changes in provisions and communicate
analytical findings clearly. Data Management and Reporting Extract,
transform, and validate data from large-scale databases
(SQL/Excel). Prepare monthly and quarterly provisioning reports
with commentary on key movements. Cross-functional Collaboration
Work closely with Finance, Risk, and Modelling teams to ensure
consistency in model inputs, assumptions, and outputs. Support
coordination of quarter-end provisioning and model update cycles.




Documentation and Compliance Maintain transparent documentation of
methodology, assumptions, and governance related to IFRS 9
provisions. Support internal and external validation or audit
processes. Requirements and Skills: Master’s degree in a
quantitative field (Mathematics, Statistics, Economics, Finance, or
related). Minimum 2 years of professional experience in credit risk
or financial provisioning . Solid understanding of IFRS 9
provisioning concepts (PD, LGD, ECL) and model governance. Strong
analytical and problem-solving skills with great attention to
detail. Hands-on experience with SQL (querying and transforming
large datasets) and Excel (advanced formulas, pivot tables, data
visualization). Experience with R or Python for statistical
analysis and Power BI for dashboards is an advantage. Fluent in
English, both written and spoken, for effective collaboration
across countries. Ability to work independently and effectively in
a fast-paced, international environment. Competencies and
Behaviors: Analytical and detail-oriented: ensures accuracy and
quality in data-driven outputs. Proactive and independent: takes
ownership of analytical tasks with minimal supervision.
Collaborative: works effectively with cross-country and
cross-functional teams. Curious and improvement-minded: seeks
opportunities to refine processes and enhance model accuracy and
efficiency. What we offer Private health insurance focused on
employee wellbeing Meal vouchers and adaptable compensation plan An
international, professional, and collaborative work environment
Office perks such as snacks and regular company
events

📌 Credit Risk Analyst (Provisions) (Andalucía)
🏢 TF Bank
📍 Andalucía