Lead and manage a team of 2 professionals

Monitor the General 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

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📌 CIB Credit Risk Special Monitoring, Provisioning Manager (Madrid)
🏢 Jobtailor
📍 Madrid