Strategic Credit Analyst

Employment contract:

Standard / Permanent

Location:

Lisbon, Lisbon, Portugal

Job/mission:

RISK

Reference:

2402RSK17482

About the job

  • Credit Portfolio Analysis (CPA) team is in charge of analyzing the quality and dynamics of the credit portfolio, including among others: cost of risk, portfolios under Risk Appetite Statement envelope, ESG and sensitivity analysis
  • The team is working in close coordination with the RISK practitioners and businesses, and  coordinates credit-related committees/forums such as the CIB Credit Portfolio Committee
  • The scope of analysis is global, covering the entire Group BNP Paribas portfolio (corporate, financial institutions, sovereign, retail)
  • The Credit Portfolio Analyst contributes to an enhanced level of understanding of BNP Paribas credit risk profile in closed interactions with clients

Your Main Activities Are

  • Contribute to an enhanced level of understanding of the BNP Paribas credit risk profile by sector (Aviation, Shipping, Commercial Real Estate, Telecom…) and by activities (Leveraged Finance, Securitization…) in close cooperation with businesses:
    • Analyze and explain the evolution of key metrics and trends
    • Analyze portfolio to give strategic information by sectors
      • Explain variation and highlight strategic information with a business and risk perspective
      • Give a forward-looking view on the portfolio, considering the economic, financial, and geopolitical environment
    • Present analyses to ease decision making
      • Select and summarize strategic information for the senior management
      • Present conclusions during committees and forums
    • Monitor the sectoral limit’s consumption
  • Analyze how the credit portfolio is impacted by ESG (Environmental, Social and Governance) risk drivers
  • Analyze global RWA impacts on the credit portfolio coming from business development plans, new regulatory requirements (e.g., CRR3), and methodology evolutions (e.g., development of new credit risk models) by liaising with the appropriate teams
  • Follow up the credit portfolio in a regular and proactive mode
  • Contribute to the continuous improvement of the team´s processes
  • Perform the necessary controls to deliver in a timely manner, reliable and consistent analysis

Profile and Skills to Success

  • Master’s Degree in Finance and Banking sector and/or Business School      
  • At least 4 years of relevant experience  
  • Advanced level of English, both written and oral
  • Attention to detail / rigor
  • Ability to collaborate / teamwork
  • Ability to deliver / results driven
  • Analytical ability

 #LI-Hybrid

Why joining BNP Paribas?

· Leading banking institution

BNP Paribas is a leader in the Eurozone, and a prominent international banking institution with strong roots in Europe’s banking history. It has a presence in 65 countries, with around 190 000 Employees – including more than 145 000 in Europe.

· Our presence in Portugal

Since 1985, BNP Paribas was one of the first foreign banks to operate in the country. Today, the Group has around 7.100 employees across several entities operating directly in the territory, offering a wide range of integrated financial solutions to support its clients and their businesses.

· International reach

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions:

·         Retail Banking, a division that brings together all of the Group’s retail activities and specialised business lines

·         Investment & Protection Services that include specialised businesses offering a wide range of savings, investment and protection services.

·         Corporate & Institutional Banking division that offers tailored financial solutions for corporate and institutional client.

· Diversity and Inclusion commitment

BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

· Commitment towards work/life balance

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.

· Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices.

 

To find out more on why you should join BNP Paribas visit https://bnpp.lk/why-BNP-Paribas-Portugal

 

* Please note that only applications submitted in English will be considered.

* In case you are selected for this role, further documentation will be requested to support your hiring process.