Portfolio Manager Risk Retail Lending
OTP Bank
Bucureşti, Romania
35 zile în urmă

We are looking for a proactive person with entrepreneurial mindset to take ownership over the risk part of the credit conveyor.

The ideal candidate should be able to build and lead a team of risk analysts, to coach them and to establish effective communication with counterparties / stakeholders (business, IT and other impacted areas).

The main goal for the position is to build an effective decision-making process, which ensures the maximum possible approval rate with an acceptable level of risk.

Your profile :

  • Bachelor degree in economics / mathematics / polytechnics;
  • Previous experience in banking;
  • Knowledge of norms and policies related to lending;
  • Financial analysis expertise;
  • Knowledge of mathematical statistics and probability theory;
  • Good knowledge of Oracle SQL and database handling;
  • Organizational skills;
  • Competent in strategic thinking;
  • Problem solving and decision making abilities;
  • Flexibility and communication skills.
  • What you will do :

  • You will analyse the lending rules effectiveness;
  • You will coordinate and launch the new pilots / projects;
  • You will prepare the forecast of the main risk indicators of the portfolio, including NCL (Net Credit Loss), NPL (Not Preforming Loans), EL(Expected Losses);
  • You will assess the profitability(NPV) for the portfolio, and for individual segments;
  • You will communicate independently with business units in order to formulate an expert opinion on lending to new segments of clients or changing the terms of lending to the current ones;
  • You will prepare the statistics and analysis for management reporting on loan portfolio quality;
  • You will establish the requirements for risk tech related to the implementation of changes in the risk strategies;
  • You will be responsible for the quality management of the sales network credit portfolio : the identification of default points of sale and the introduction of special rules for decision-
  • making for these points;
  • You will segment the clients and create the optimal portfolio actions in each group.
  • Benefits : Health and well-being :

    Health and well-being :

  • Several Discounts at 7Card, Fit4You, Bery Fitness & Spa, Optiplaza, INTELIDENT;
  • Medical and life insurance;
  • Fresh fruits at the office.
  • Services and shopping :
  • Meal tickets;
  • Meal tickets;
  • Several discounts at 5asec, ZOOT, CCC, Armani Jeans, Max & Co, Swarovski, Geox, Springfield, Samsung, Orange, Pineberry, Vodafone, Lamonza etc.
  • Free time and education :

  • For your birthday we offer you a day off as a gift from us;
  • Several discounts at Fundatia Calea Victoriei, Școala de muzică Arpeggio, Whi Experience, Centru de Limbi Străine A BEST;
  • Anything you want to read from Bookster.
  • If you are interested in this position, apply at staffing.hr otpbank.ro.

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