Credit Risk Analyst

This role involves conducting thorough financial and credit risk assessments for a wide range of corporate and financial partners mainly focused on European energy markets.
Based in Budapest the position is part of the Global Credit Risk Function reporting to the Head of Credit with close interaction across business units and support functions across Europe.

Beyond strong core credit skills the role requires a highly analytical profile with expertise or strong interest in intelligent automation data analytics and AIenabled tools contributing to the continuous improvement productivity and scalability of the Credit Shared Competence Center (CSCC).

Essential responsibilities

• Credit Risk Assessment & Portfolio Management

• • Perform indepth qualitative and quantitative credit risk analyses of corporate and financial counterparties.
  • Prepare clear structured decisionoriented credit assessments including ratings limits and credit recommendations.
  • Maintain and review credit risk metrics (ratings PDs limits utilisation) and ensure ongoing portfolio quality.
  • Identify earlywarning signals and propose risk mitigation actions (collateral prepayments limit adjustments action plans).
  • Contribute to sector reviews portfolio analyses stress testing and scenario analysis.
  • Support recovery and workout efforts for financially distressed counterparties in coordination with relevant stakeholders.

• Risk Monitoring Reporting & Governance

• • Monitor exposure evolution and anticipate potential credit limit breaches ensuring timely escalation.
  • Contribute to daily weekly and monthly credit risk reporting.
  • Present credit views in internal working groups and governance forums.
  • Support the management of Credit Risk Insurance policies including limit monitoring and periodic declarations.
  • Educate the wider organisation on advanced credit solutions and methodologies to effectively manage credit risk.

• Intelligent Automation & Analytics

• • Actively contribute to the automation and digitalisation of credit risk workflows including data collection analysis and reporting.
  • Apply advanced analytical and automation tools (e.g. Excel modelling Power BI Python SQL VBA lowcode tools and AI) to:
    • Reduce manual processing
    • Improve analytical depth and consistency
    • Enhance portfoliolevel insights and earlywarning capabilities
  • Collaborate with Credit IT and Digital Transformation teams to translate analytical ideas into practical scalable solutions used by the CSCC.
     

Qualifications :

- 25 years of relevant experience in credit risk financial analysis risk management consulting or analyticsintensive finance roles
- University degree in Finance Economics Business Administration Engineering Mathematics or a related quantitative field
- Strong understanding of financial statements cash flow analysis leverage liquidity and credit drivers
- Fluency in English; additional European languages are an advantage
- Strong quantitative and analytical mindset with solid problemsolving skills
- Advanced Excel skills; experience with Power BI Python SQL VBA or automation tools is a strong advantage
- Comfortable working with large datasets imperfect information and deadlines
- Practical interest in AI and intelligent automation applied to real business problems

Additional Information :

Remote Work :

No

Employment Type :

Full-time