SME Credit Risk Manager
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Job Location:
Monthly Salary:
Posted on:
14 hours ago
Vacancies:
1 Vacancy
Job Summary
What we do
Aion belongs to one of the largest financial groups in Europe serving over 15 million Clients including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams acting as the Groups pan-European innovation hub.
We are creating ultra-fast and transparent banking with an all-in-one application and new opportunities for all Clients - individual business and corporate.
Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration engagement and achieving ambitious goals.
We are looking for a SME Credit Risk Managerto join us at this pivotal moment share our vision and help shape the future of European banking.What you will be doing
Key Responsibilities:
Policy Development & Risk Appetite
Framework Design:Define and maintain the SME Credit Risk Policy aligning local market nuances with the Groups overarching risk strategy.
Risk Appetite:Establish and monitor Risk Appetite Framework (RAF) metrics including concentration limits by sector geography and product.
Capital Optimization:LeverageSGR (Sociedades de Garantía Recíproca)andICO linesto optimize Risk-Weighted Assets (RWA) and improve the banks capital efficiency.
Credit Assessment & Decisioning
Underwriting:Conduct deep-dive financial analysis for SME loan applications (unsecured factoring and future secured lending).
Sancioning Power:Act as a senior voting member in the Credit Committee providing constructive skepticism to balance commercial growth with credit sanity.
Group Risk Management:Identify and manageEconomic Group linkagesto ensure consolidated exposure limits are never breached.
Systems & Technical Implementation
Core Banking Integration:Collaborate with the Polish HQ tech teams to translate Spanish SME risk logic into theCore Banking System (UAT & Functional Requirements).
Decision Engines:Define the logic for automated and semi-automated decision trees for Autónomos and micro-SMEs.
IFRS 9 Management:Define and monitor criteria forStage Allocation (Stage 1 2 and 3)and Significant Increase in Credit Risk (SICR) specific to the Spanish corporate landscape.
Monitoring & Reporting
Portfolio Quality:Monitor Early Warning Signals (EWS) to detect signs of deterioration before default.
Regulatory Alignment:Ensure all SME lending activities comply with Bank of Spain Circular 4/2017 and EBA Guidelines on loan origination and monitoring.
Skills you should have
Experience:Minimum of 6 years in SME credit risk analysis within the Spanish banking sector or leading Fintech.
Financial Expertise:Mastery of Spanish Accounting Standards (PGC) tax returns (Impuesto de Sociedades IVA) and cash-flow-based lending.
Technical Skills:Proficiency in using Spanish Credit Bureaus (Experian Equifax CIRBE) and understanding of RAROC/RWA modeling.
Languages:Native/Bilingual Spanish andProfessional working proficiency in English(essential for HQ coordination).
Soft Skills:Strong negotiation skills analytical rigor and the ability to thrive in a start-up banking environment.
What we offer
We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience.
Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs
Health & Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare.
Meal Support: We help fuel your day with meal vouchers.
Our process
Step 1:Talk with one of our Recruiters about your to date experiences and ambitions
Step 2:Meet with your future Team Manager to deep dive on the role specifics and our work environment
Step 3: Meet with Head of Country
Our note to you
Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us we encourage you to apply - even if youre not 100% sure. We are interested in getting to know you and learning about what you bring to the table.
Please note that we may close a job posting early if we receive a large number of exceptional applications.
Good luck!
About us
Required Experience:
Manager
Key Skills
- Arm
- Risk Management
- Financial Services
- Cybersecurity
- COSO
- PCI
- Root cause Analysis
- COBIT
- NIST Standards
- SOX
- Information Security
- RMF
