Senior Specialist, Loan Quality Unit, Credit Risk Department

Position: Senior Specialist, Loan Quality Unit, Credit Risk Department

We are seeking an experienced professional with expertise in credit risk management and strong analytical skills as part of the Loan Quality team.

Purpose of the Position

To independently assess the performance and credit risk profile of the Bank’s loan portfolio, identify early signs of deterioration in portfolio quality, and propose appropriate risk management measures. The position plays an active role in strengthening the analytical capabilities of the Loan Quality Unit and in preparing reports that support management decision-making.

Key Responsibilities

• Conduct periodic and thematic analyses of the loan portfolio by customer segment, economic sector, product, currency, and other risk characteristics.
• Monitor portfolio quality indicators.
• Identify risk concentrations, adverse trends, and factors contributing to portfolio deterioration; propose appropriate measures and follow up on the implementation of approved recommendations.
• Analyze the impact of macroeconomic and sectoral developments on portfolio quality and contribute to scenario analyses and credit risk stress-testing exercises.
• Prepare reports and presentations for senior management and the relevant committees, supported by well-substantiated findings and specific recommendations.
• Collaborate with the relevant units to improve data quality, analytical methodologies, and the automation of reporting processes.
• Contribute to the improvement of credit risk monitoring policies and procedures and promote knowledge-sharing within the unit.

Required Qualifications and Experience

• University degree in Finance, Economics, Business Informatics, Statistics, or a related field. A Master of Science degree is considered an advantage.

• At least four years of relevant professional experience in Credit Risk, Risk Management, Financial Risk Advisory, or related areas, gained within the banking sector, a Big Four firm, or another reputable financial or professional services organization. Experience in loan portfolio analysis, credit risk assessment, IFRS 9, or related risk advisory engagements is required.

• Sound knowledge of credit risk indicators, financial analysis, risk concentrations, and early warning mechanisms.
• Knowledge of IFRS 9 concepts, including Expected Credit Loss (ECL), Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Significant Increase in Credit Risk (SICR).
• Advanced proficiency in Excel and strong skills in processing, validating and analyzing large datasets. Knowledge of Power BI or similar tools is considered an advantage.
• Strong ability to interpret data, identify the underlying causes of changes, and translate analytical findings into practical and actionable recommendations.
• Ability to work independently, exercise sound professional judgement, and communicate clearly, both verbally and in writing.
• Very good command of the English language.

Application

Only shortlisted candidates will be contacted regarding the subsequent stages of the recruitment process. All applications will be treated with strict confidentiality. Interested candidates are encouraged to apply by 09.11.2026.