Senior Credit Risk Provisioning

**About the job**

As part of Finance Second Line of Defense, located in Lisbon, you will play a crucial role in ensuring the integrity and effectiveness of the BNPP's control environment on financial information related to credit risk provisions (to give an idea, at end of December 2023, BNPP’s balance sheet shows 4.4bn€ of credit risk impairments on performing exposures and 13.6bn€ on non-performing exposures)

Operating within the Finance & Strategy Department, you will drive the control practice on the credit risk provisioning process throughout the Group via a triple role: standard setter / animator of the control framework as co-owner (with First Line of Defense team(s)) of the credit risk provisioning control plans, and secretary of the IFRS9 Financial and Operational Risk Control Committee; coordinator of the control activity operated locally, second-line direct controller on central teams involved in the process

**Your Main Activities Are**

Ensure that control plans related to the credit risk provisioning process adequately cover the underpinning risks. Supervise the implementation of these controls within the Group (across entities, business lines, and central functions)

Coordinate the control activity on credit risk provisioning operated locally

Gather local and central first and second lines controllers in a dedicated governance (IFRS9 Financial and Operational Risk Control Committee), with a process improvement mindset

Build strong relationships with stakeholders across various business units and functions, serving as a trusted advisor on control-related matters and fostering a culture of risk awareness and compliance

Execute detailed control testing procedures on central teams to evaluate the adequacy and effectiveness of control measures in mitigating risks on the credit risk provisioning process

**Profile and Skills to Success**

At least 4 years of experience in internal or external audit, risk management, or control testing

Leadership in driving complex projects, with the adequate balance between determination and adaptability

Collaboration skills including the ability to integrate and act upon the diverse perspectives of business unit managers, Finance managers and other function managers

Ability to develop a global view of control framework, produce gap analysis, identify root causes, and suggests remediation and timeline

Knowledge of risk management principles, regulatory requirements, and industry best practices

Proficiency in conducting control testing and assessing control effectiveness

Analytical skills with the ability to identify and assess control deficiencies and recommend practical solutions

Effective communication skills, with the ability to convey complex concepts and findings to diverse audiences

Detail-oriented approach with a focus on accuracy and precision in documentation and reporting

Ability to collaborate effectively with all stakeholders

Proficiency in Microsoft Office (Excel, PowerPoint and Word)

Knowledge of Accounting and Financial

Risk mitigation skills to help eliminate potential roadblocks in the design and control plans

**About the Team**

The main missions of the Finance & Strategy function (F&S) are the following, for the BNP Paribas Group: elaborate financial and sustainability information; provide Executive Management with the necessary information for the Group’s financial steering; define accounting, performance management and selected prudential policies for the Group; define, deploy and supervise the permanent control framework associated with financial information across the Group; manage the Group’s tax; manage the Group’s financial communication; drive the Target Operating Model implementation, contribute to the definition of the functional architecture and the design of Finance systems and proceed to their deployment; lead/steer the F&S function’s continuous transformation; assist Executive Management in defining the Group’s strategy

F&S count +1800 employees specialized in Accounting, Reporting, Performance Steering, Tax, Control, Regulatory and Project to mention few of them. F&S is organized around 3 mutualized regional platform (America, Europe and Asia/Pacific), 1 Shared Finance Service center located in India, Central F&S teams located in Paris and decentralized Finance, Tax and Development departments located in each BNPP country presence

The Infinity EMEA Finance & Strategy Platform is the Regional EMEA Mutualized platform and Group platform delivering services that cover the whole financial dimensions: Accounting production activities, reporting, control, transformation projects, IT and GDO. Our platform serves EMEA Countries and CFO´s, Group Head Office and also worldwide entities when it refers to projects (Transformations & IT). The Infinity EMEA Finance & Strategy Platform is located in a dual location Madrid and Lisbon

LI-Hybrid

**Why joining BNP Paribas?**
- ** Leading banking institution**

BNP Paribas is the