- 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