SME Banking Credit Risk Manager
Há 4 dias
About Rauva: Welcoming Entrepreneurs
We're shaping the future of entrepreneurship, making it more accessible and efficient than ever before.
At Rauva, you'll be at the forefront of fintech innovations. Our app simplifies business management for entrepreneurs and freelancers, offering seamless financial operations from their smartphones. But that's just the beginning. We're constantly evolving, adding new features and tools to empower our users, and we don't plan on stopping with only Portugal, either.
Our achievements speak for us. Selected by Banco de Portugal for the Finlab Portugal program, celebrated in the Portugal Fintech Report 2022 and 2023, and honored by KPMG as the best Tech Innovator in Portugal 2023, we're on a fast track to transforming the FinTech and banking sector in Portugal. And we want you to be part of this revolution.
You. In brief: We are seeking an experienced SME Banking Credit Risk Manager to oversee credit risk management within our organization. This role involves developing strategies to assess, mitigate, and manage credit risks, ensuring the stability and profitability of our credit portfolio. The SME Banking Credit Risk Manager will play a critical role in maintaining the balance between risk and reward, ensuring compliance with regulatory standards, and fostering a risk-aware culture across the organization.
Your Key Responsibilities:
- Develop comprehensive credit risk management strategies that align with our objectives.
- Establish risk appetite and credit policies, setting limits and guidelines for credit exposure.
- Build a team from scratch.
- Oversee the evaluation of creditworthiness of potential and existing SME clients using financial analysis and industry insights.
- Continuously monitor the credit portfolio to identify emerging risks and trends.
What We're Looking For:
- Extensive experience (typically 10+ years) in implementing and running invoice finance, loans, and credit card services for SME banking and fintech sectors.
- Extensive experience in lending for Southern EU is mandatory.
- Bachelor's degree in finance, economics, business administration, or a related field.
- Proficiency in financial analysis, risk assessment, credit modeling, and digitalization of banking and lending.
- Experience in ensuring regulatory compliance within a financial institution.
- Strong strategic thinking and analytical skills to identify and mitigate potential risks.
- Proven track record of leading and building a cross-functional credit risk team from scratch.
- Ability to create, scale, and manage processes through data-driven decision-making.
- Experience working with OKRs and getting things done.
Located in Lisbon, Portugal. Estimated annual salary: €120,000 - €150,000 depending on experience.
We follow a structured hiring process: intro call, hiring manager interview, peer interview, assignment, and final feedback.
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