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