Credit Portfolio Analyst

**About the job**

Credit Portfolio Analysis (CPA) team is in charge of analyzing the quality and dynamics of the credit portfolio, including among others: cost of risk, portfolios under Risk Appetite Statement envelope, ESG and sensitivity analysis

The team is working in close coordination with the RISK practitioners and businesses, and coordinates credit-related committees/forums such as the CIB Credit Portfolio Committee

The scope of analysis is global, covering the entire Group BNP Paribas portfolio (corporate, financial institutions, sovereign, retail)

The Credit Portfolio Analyst contributes to an enhanced level of understanding of BNP Paribas credit risk profile in closed interactions with clients

**Your Main Activities Are**

Analyze and explain key metrics, trends, axes of analysis, with a business and risk view perspectives

Give a forward-looking view on the portfolio, considering the economic and financial environment

Present analyses to ease decision making: select and summarize strategic information and present conclusions during committees / forums

Follow up portfolio in a proactive and regular mode

Contribute to the transformation of the team´s processes by playing an active role in the context of the new digitalized business model

Ensure a robust permanent control framework to deliver in a timely manner, reliable and consistent analysis

**Profile** and Skills to Success**

Master’s Degree in Economics / Finance / Accounting / Business Management or related

Up to 2 years of experience in Banking and Financial Operations / Risk and Controls / Accounting and Finance or similar

Advanced level of English, both written and oral

Knowledge in MS Office Pack (Excel, PowerPoint)

Adaptability

Analytical ability

Communication skills, both written and oral

Resilience

LI-Hybrid

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

BNP Paribas is the European Union’s leading bank, and key player in international banking. It operates in 63 countries and has nearly 183.000 employees, including more than 146.000 in Europe.
- **Our presence in Portugal**

In Portugal since 1985, BNP Paribas today has more than 8.700 employees, distributed across the Group's 10 business entities established in the country. Its presence also extends to 11 excellence centres providing value-added services to various countries where the BNP Paribas Group also operates.
- ** International reach**

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions:
**Retail Banking**, a division that brings together all of the Group’s retail activities and specialised business lines;

**Investment & Protection Services**that include specialised businesses offering a wide range of savings, investment and protection services;

**Corporate & Institutional Banking**division that offers tailored financial solutions for corporate and institutional clients.
- ** Diversity and Inclusion commitment**
- **Commitment towards work/life balance**

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.
- ** Remote Working Conditions**

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices.

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- In case you are selected for this role, further documentation will be requested to support your hiring process.