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Transversal Credit Analyst

Job type Permanent
Schedule Full time
Job Function Risk
Brand BNP Paribas
Level of experience 3 to 5 years
Apply REF: 1810RSK1608
BNP Paribas is a leading European bank with an international reach. It has a presence in 73 countries, with more than 192,000 employees – including more than 146,000 in Europe and over 4,000 in Portugal alone.
 
BNP Paribas is present in Portugal since 1985, having been one of the first foreign banks to operate in the country. Today, BNP Paribas has several entities operating directly in this territory, offering a wide range of integrated financial solutions to support its clients and their businesses.
 
Worldwide, the Group has key positions in its three main activities: Domestic Markets and International Financial Services (whose retail-banking networks and financial services are covered by Retail Banking & Services) and Corporate & Institutional Banking, which serves two client franchises: corporate clients and institutional investors. The Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporate and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance.
 
Within the RISK department, we have RISK Strategic Analysis and Reporting (RISK SAR) that consists in servicing the Chief Risk Officer, the General Management and the Board, as well as the RISK business domains, for each type of risk on 4 themes: Data management, Risk reportings, Portfolio and strategic risk analyses, Capital calculation for market, counterparty and operational risk.
 
We also have RISK SAR, Credit & Counterparty Risk Reporting (C2R2) that is in charge of producing & analyzing exposure and RWA reports and dashboards on credit and counterparty risk for RISK clients (RISK Senior Management, RISK Business Domains and RISK SAR), internal clients of the Group (Risk Practitioners at large, Finance Group and Business Lines), as well as supervisors (contribution to recurrent and ad hoc reportings).
 
Our mission is to serve internal and external stakeholders with an enhanced offer of value added risk analysis and reports, meant to be used for decision making and for regulatory purposes.  Our team provides analysis and reports on the credit and counterparty risk, to serve internal clients (Group Board, RISK Senior Management, Group Finance,…) and external clients (Supervisors: ECB, EBA and Rating agencies). Our team is transversal: we cover all the Group BNP Paribas portoflio (corporate, financial institutions, sovereign, retail).
 

DEPARTMENT OVERVIEW

C2R2 Lisbon is in charge of serving internal and external stakeholders with an enhanced offer of value added risk analysis and reports, meant to be used for decision-making and for regulatory purposes.  

C2R2 provides analysis and reports on the credit and counterparty risk, to serve internal clients (Group Board, RISK Senior Management, Group Finance,…) and external clients (Supervisors: ECB, EBA and Rating agencies).

The scope is transversal, covering the entire Group BNP Paribas portfolio (corporate, financial institutions, sovereign, retail).

Scope and Coverage

  • Credit portfolio analysis

  • Corporate, Individuals (retail), Financial Institutions, Securitization

ROLE AND RESPONSIBILITIES

Analysing added-value credit and counterparty risk reports in a timely manner

  • Define with clients their reporting needs and the level of analysis required
  • Analyze recurrent dashboards or crisis reports on wholesale and retail exposure through various axes
  • Develop a forward looking view of the Bank credit risk profile

Facilitating the decision making in the RISK forums with an expertise on Bank credit risk profile

  • Risk anticipation and management
  • Management of concentrations: single name, industry sectors views
  • IFRS9 provisions
  • Cost of Risk & RWA anticipation

Ensuring a consistent and reliable reporting offer through RISK

  • Promote consistency of reportings between Divisions and Group by aligning data sourcing and homogenizing consolidation rules, types of analyses and format
  • Coordinate the works in relation with RISK reporting hubs (Paris, Brussels, London, NY, HK, Lisbon)
  • Set up a strong permanent control framework

MISSION STATEMENT

The Transversal credit analyst is hierarchically attached to the C2R2 Lisbon Team Leader.

The analyst is in charge of managing the ad-hoc requests and crisis requests from the Regulators and the Top Management, related to the credit portfolio of the Bank.

This mission implies to work in agile mode, under short timeline, in closed relation with the Clients and the Management of RISK SAR, with an End-to-End process approach from data collection to the presentation of the analysis to the Client.

Missions are:

  • Manage ad-hoc / crisis requests
    • Clarification of the needs with the Client to understand the request / context, to assess the feasibility in regards with the timeline and to formalize the actions to be launched

    • Data collection in the different system sources with the support of data management

    • Data analysis, functional check to ensure reliable data set with data management support

    • Analysis of the credit portfolio and the risk profile in regards of the Client needs

    • Interactions with the different stakeholders: Risk Officers, Business, Data Management and monitoring of the actions by organizing status point to give visibility on the progress

    • Presentation of the analysis to the Client

  • Manage strategic projects related to the credit portfolio analysis. It includes creation of new dashboards, specific analysis on some areas of the portfolio….
  • Contribute to the analysis of some periodic dashboards.

 PROFILE

  • Business school or Engineering School (Master level)
  • Expertise on the credit risk within the Bank industry
  • High analytical skills to understand and explain complex situation
  • High capacity of data crunching (SAS and Business Intelligence language)
  • Capacity to deliver under short timeline
  • Capacity to work with diversified stakeholders (Data Analyst, Risk Officer, Banker)
  • Good communication skills to present the analysis to the Top Management
  • Fluent in English
  • French appreciated

Location

  • Lisbon
  • Some travels in France
    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.
     
    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, 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.
    Primary Location: PT-11-LisbonJob Type: Standard / PermanentJob: RISKSEducation Level: Master Degree or equivalent (> 4 years)Experience Level: At least 3 yearsSchedule: Full-time Behavioural competency: Creativity & Innovation / Problem solvingTransversal competency: Analytical AbilityReference: 1810RSK1608