Senior Credit Risk Analyst

10 hours ago

Tallinn, Harjumaa, Estonia TF Bank Full time €60,000 - €80,000 per year
About the Role

TF Bank is seeking a dynamic and hands-on professional to join our team as a Senior Credit Risk Analyst (Non-Performing Loans). In this role we are looking for an analytical and detail-oriented professional to manage LGD/RR curve modeling, monitor recovery performance across all the banks 12 country portfolios and 3 distinct product lines. Provide ad-hoc valuations for NPL portfolios to support debt sales strategies. For the majority of the portfolios/products, the data for the analysis/valuation will grow on the monthly basis.

This role involves developing predictive models, delivering insights on recovery trends, and ensuring accurate and data-driven NPL portfolio valuation practices. The candidate will collaborate closely with cross-functional teams to align recovery monitoring frameworks and support decision-making with actionable recommendations based on in-depth analysis of diverse portfolio dynamics.


Key Responsibilities:
  • Model Development: Develop and refine LGD/RR models to accurately project recovery rates, adapting to portfolio-specific characteristics and evolving trends.
  • Recovery Monitoring: Analyze and monitor recovery performance for three distinct product lines/twelve countries, ensuring alignment with forecasts and identifying areas for optimization.
  • Portfolio Insights: Perform data-driven analysis across portfolios from multiple countries, providing actionable insights to enhance recovery strategies.
  • NPL Valuation: Support ad-hoc valuation exercises of NPL portfolios to inform pricing and sales strategies, incorporating economic and market-specific considerations.
  • Data Management and Reporting: Maintain robust monitoring frameworks, ensuring accurate and timely reporting of recovery trends and outcomes.
  • Cross-functional Collaboration: Work closely with stakeholders across risk, finance, and operations teams to align on modeling assumptions and deliver strategic insights.

Qualifications:
  • Minimum of 3+ years of relevant analytical experience in banking or NPL-related fields.
  • A degree in science, finance or economics and/or a strong experience in financial and macroeconomic markets.
  • Minimum of 3+ years of experience with credit risk, provision modelling and IFRS9.
Preferred Skills:
  • Expertise in analyzing DCA performance to maximize collection efficiency.
  • Technical skills in SQL, R, VBA, or Python are highly advantageous.

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