Senior Manager - Credit Portfolio Management

Main purpose

​Own the credit view of portfolio and counterparties, drive active portfolio management and shape risk appetite alongside senior stakeholders. Prepare portfolio insights, emerging risks for audiences ranging from senior Committees, division heads, book heads, etc. ​Act as functional owner and manage stakeholders for the inhouse credit risk system used across the organization with functions such as exposure calculation, limit monitoring, exposure stress testing, reporting and other related functions.

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Key responsibilities

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• ​Prepare clear, well-reasoned reports/analytics on market and portfolio movements for audiences ranging from Committees, book/division heads, and senior credit managers

• ​Perform in-depth credit analysis of counterparties and deals using financial statements, cash flow models, transaction data, market signals and qualitative judgement.

• ​Develop strong understanding of financing and trade credit structures, credit appetite and credit mitigants

• ​Monitor the portfolio for early-warning signals using advanced methods; recommend proactive mitigating actions.

• ​Develop organizational implementation of Credit portfolio management metrics, such as concentration risk, risk appetite, capital utilization, risk return, MTM & PFE, contractual netting, stress testing and sensitivity analysis.

• ​Manage the credit risk data model, integrating data from relevant source systems, cleaning and transforming and integrating into analytical tools.

• ​Work at the intersection of credit, trade finance, operations, structured finance and technology. To ensure the credit risk system and reporting accurately reflect portfolio reality

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Required qualifications

• ​​Minimum  ~8-10 years’ experience in credit risk management, with material exposure in analytics and counterparty underwriting (investment bank, corporate bank, major trading house, fund, utility or similar)

• ​Ideally experience of delegated credit approval authority, and/or experience presenting to and defending credit recommendations at Committees.

• ​Strong working knowledge of financing and trade finance and credit mitigants (prepayments, loans, LCs / SBLCs, credit insurance, parent guarantees) and related credit mitigation and support (netting, security packages).

• ​Use of AI for advanced portfolio and credit analytics​

Preferred qualifications

• ​​​Master’s degree in finance, Economics, Engineering, Mathematics or a related quantitative discipline.

• ​CFA, FRM, PRM or equivalent credentials are preferred.​

• ​​Experience of commodities trade flows and associated credit risk would be advantageous.​​

Attributes for success

• Combination of expertise in Credit Risk, Commercial, and technology. 

Equal opportunity employer

We are an Equal Opportunity Employer and take pride in a diverse workforce! We do not discriminate in recruitment, hiring, training, promotion or other employment practices for reasons of race, colour, religion, gender, sexual orientation, national origin, age, marital or veteran status, medical condition or handicap, disability, or any other legally protected status.