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- 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

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- 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. xghoner Proficient in financial analysis, regulatory compliance, and team leadership to drive effective risk management strategies.

Highest-signal resume keywords

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- Credit Risk Monitoring

- Deteriorated Portfolio Management

- Financial Statement Analysis

- Advanced Excel

- IFRS9 Compliance

Hard Skills

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- Credit Risk Drivers

- Provision Management

- NPL Analysis

- PD Models

- LGD Models

- EAD Models

- Statistical Analysis

- Quantitative Analysis

- Data Analysis

- Financial Modeling

Soft Skills

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- Leadership

- Team Management

- Communication

- Critical Thinking

- Proactive Approach

Industry Keywords

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- Credit Markets

- Basel Regulations

- Loan Loss Provisions

- Portfolio Dynamics

- Digital Transformation

Tools & Technologies

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- SQL

- Business Intelligence Tools

- Python

- R

- Advanced Analytics

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