Senior Data Analyst for Risk Anticipation

Present in more than 30 countries, BNP Paribas Personal Finance leads the personal and consumer credit business. In some markets we are leaders, and we bet on innovation to open up new opportunities, in others we are a fast growing business. In all markets, we value relationships, knowledge sharing and responsible action.

We are committed to promoting access to more responsible and sustainable consumption to support our customers and partners. To achieve this, we implement concrete actions, not only in the way we develop our business and enhance our sustainable growth, with the ambition to reduce our environmental footprint, but also in the way we support those who need it most.

 BNPP Personal Finance is, by nature, exposed to Fraud, and relies heavily on quantitative models and strong analytics to manage it. Each day, millions of credit granting decisions are made, using hundreds of decision rules and models. The importance and complexity of these ecosystems at use within BNPP-PF keep on rising as the digital transformation accelerates.

In practice, your day-to-day

• Risk Anticipation team is in charge of the IFRS9 provisioning calculation methodology and must ensure that the method is properly applied throughout the BNP Paribas Personal Finance perimeter.
• The main role of the Risk Anticipation analyst is to ensure the correct level of provisioning for BNPP PF outstandings, and to ensure the correct application of the IFRS9 provisioning methodology throughout the scope of Personal Finance.
• He is the direct international contact point for the local Risk teams.
• The Risk Anticipation team is mainly located in Paris, and we are opening a new position in Lisbon.
• The main activities will be:
  1. Simulation of application of provisioning method on BNPP PF portfolios.
  2. Developing mathematical language program models in SAS and Python.
  3. Analyze the level of Risk of BNPP Portfolios through data at customer level.
  4. Daily exchange with your colleagues in Paris.

The Mission is important, but so is the Team and the workplace!

• Within BNP Paribas Personal Finance, Central Risk Department is responsible for the relevance of risk rating models used within all local entities and for maintaining a high level of expertise with integrating new statistical techniques in new modelling environments.
• You will operate in a friendly and international work environment, designed to make the collaborating experience as pleasant as possible!
• You will have regular exchanges with the Central (this will help to build up competence based on different cultures and levels of responsibility).
• You will participate to projects and strategics activities, part of the Strategic Plan of BNPP PF. 
• The Risk Anticipation team is mainly located in Paris, you will be located in Lisbon and you will join the Credit Risk Optimization team in Lisbon and working on Risk Anticipation topics.

What do we have to offer you?

• This is a very important topic that we will address together, taking into account your training and experience.

Are you the one we are looking for?

• Have you a few experiences in Credit Risk Management, with mathematical/statistical background and a few years of successful experience, preference in a Bank, a financial environment, or a digital business?
• Do you know Python or other database language (SAS, SQL)?
• Do you have knowledge about IFRS9 norms standards? Or about IRB models (PD, EaD, LGD)?
• Are you able to work on several projects at the same time and are known for your rigor?
• Are you comfortable communicating orally and in writing with different interlocutors and sharing information?
• Are you doing everything you can to achieve your goals?
• Do you have a good knowledge in Excel and Power point?
• Do you have important analytics & business skills as:
• Applied Math and Algorithms  
• Data Processing, Data Knowledge  
• Descriptive Modelling and Predictive Modelling  
• Ability to understand, explain and support change
• Analytical Ability 
• Ability to collaborate/Teamwork
• Ability to Synthetise/Simplify  
• Do you speak English? French is a plus.
• If you have all this, a lot of desire, energy, and good mood, then you are the one we are looking for…
• We look forward to your application!

Our commitments

• BNP Paribas is an equal opportunity employer that is proud to provide equal employment opportunities to all job seekers. As a socially responsible company, we incorporate the principles of Diversity and Inclusion in our values and practices
• To achieve all our goals, we intend to attract, develop, and retain different profiles, assuming diversity as an enabler and differentiator of innovation, fundamental in our organization

What makes us proud as reference employer?

• Top Employer Portugal and Top Employer Europe certification, for the seventh consecutive year
• 92% of our employees identify BNP Paribas as a company with "an inclusive management that supports all kinds of differences (age, origins, sexual orientation ...)"
• 93% of employees identify with and benefit from the "Smart Working" policy, feeling comfortable in a hybrid work environment, and with the digital tools and workspaces available
• 71% of our customers are promoters of our brand