Risk Analyst - Credit Risk Cost Assessment Department

ALPHA BANK ROMANIA is part of the largest Greek financial group, Alpha Bank Group, with more than 140 years experience in banking sector. The first foreign bank to come to Romania after 1990, ALPHA BANK ROMANIA provides the whole range of products and services to the consumer market segment as well as complex banking solutions to the business and corporate customers.The applicants will have the great opportunity to join an important organization whose values are: innovation, honesty, flexibility, intelligence and reliability.

REQUIREMENTS

Graduate or post-graduate qualifications in economics, finance, mathematics, or statistics.
Good understanding of credit risk measurement and IFRS 9 provisioning.
Good understanding of the banking products to ensure proper analysis of the reporting data.
Advanced MS Excel with good abilities in working with large datasets and data processing.
Experience with SQL language and relational databases knowledge is an asset.
Advanced language skills both written and spoken in English.
Real team player, with good interpersonal communication skills.
Strong analytical skills and attention to detail.
Able to establish and keep timelines, tasks and milestones.
Rigorous and well-organized person.

KEY RESPONSIBILITIES

Manages and ensures the monthly operational process for IFRS 9 expected credit loss calculations.
Assesses the IFRS 9 expected credit loss level for legal entities, individuals’ portfolio exposures and for exposure towards Financial institutions or Government’s entities.
Reviews the expected credit loss level under IFRS 9 proposed by the relevant units for retail and wholesale loans treated individually and proposes the impairment level for those treated collectively.
Cooperates with Retail and Wholesale Credit Risk Departments to secure the movements in both segments exposures and the accurate transposition of Impairment Policy into the working procedures and into the dedicated software application.
Assesses the Cost of Risk monthly computation, analysis, and monitoring.
Prepares the dedicated credit risk cost reports to Group and Senior Management on performance of portfolios and risk management systems, highlighting trends/key features.
Runs credit risk cost simulations and scenarios necessary for budgeting purposes, EBA Stress test, ICAAP exercises, etc.

BENEFITS

Flexibility

start to work every day any time between 7:30-10:00;
agree with your manager and you would need to be at the office max 1 day / week!
hybrid work is normal with us!


Work/life balance

up to 30 vacation days depending on your work experience.
free paid days for special events in your life.
birthday off - celebrate special moments with your dear ones.
personal day off - unpredicted tasks at home always occur.
study day off - be the best of yourself and pass any professional exam.
medical insurance - we know a simple subscription might not always be enough; can chose your supplier, follow your favorite doctor!
accidents insurance- we are ready to get through even the most unpleasant moments.
wellbeing trainings - let specialists guide you to be your best in your mind and body.


Financial support

13 salaries/year, no matter when you come onboard (pro-rated).
allowance for special events.
special rates on banking products and services.
meal tickets.


Training and development

induction guaranteed – so you ca feel at ease even if you are not yet a banker.
your dedicated Buddy – the most experienced and enthusiastic colleagues will accompany you on your first weeks with us.
training plan – talk to your managers and onboard on a learning journey fit to your needs.
access to a tone of online training sessions – for free, whenever you have the best time to learn.
unconditioned friendship with Bookster.
an internal communication platform – we are a team of friends and we keep close; so informal interaction is at hand.


Our recruitment process is based on personal data processing, according to data provided in information note on the processing of personal data, available on Alpha Bank Romania website.