Credit Risk Surveillance Analyst

Company Description

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

Natixis in Portugal is part of the Global Financial Services division, where it applies technology for the development of financial expertise in its two global business lines – Corporate & Investment Banking and Asset & Wealth Management – and, transversally, for the entities of Groupe BPCE.

The Centre of Expertise, based in Porto, currently has more than 2,400 employees from over 30 nationalities, organised in three main departments: Information Technology, Banking Support Activities and Compliance. These teams work in an integrated, inclusive and transversal way, supporting and creating value for all the business lines and platforms of the group. The project in Porto is one of the biggest investments in Human Resources ever made by Groupe BPCE worldwide.

A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.

In 2024, Top Employers Institute has awarded Natixis in Portugal the Top Employer Portugal accreditation for the second time. This certification recognizes excellence in people practices, following the example of our head office, in France, who was certified Top Employer France for the eight year in a row.

Job Description

You are joining the Credit Risk department of Natixis as a cross-functional risk analyst within the Credit Surveillance team in the Credit Risk Monitoring (CRM) department. The team consists of approximately 15 internal and external members based in Paris and Porto. The team's missions focus on:

• Cross-functional monitoring of credit risk: tracking ratings, credit alerts, distribution risk, and forbearance;
• Second-level controls on compliance with counterparty and credit limits: country limits, sector limits, and individual limits on financing operations;
• Coordination and facilitation of committees, including the Watch List and Provision committee, the limits committee, and presentations to credit risk committees.

Daily, your responsibilities include:

• Provide first-level support in the rating process while adhering to internal procedures and standards;
• Analyze and report weekly changes in the rating rates for the various entities within the Natixis group;
• Ensure the application and understanding of credit risk monitoring procedures and Basel diligence management within Natixis;
• Participate in discussions with the network regarding the monitoring system;
• Participate in various process around rating: override mechanism, historized rating and referent bank monitoring;
• Contribute to the evolution and development of rating application and monitoring tools;
• Ensure the update of documentation (reference materials, procedures, and operating methods).

Qualifications

• Master’s degree (university or business school) with a specialization in finance;
• Knowledge in the banking sector;
• Tools of the Microsoft Office suite;
• Programming languages such as Python, VBA, SQL and Power BI;
• Fluency in English and French as a plus. 

Soft Skills:

• Excellent interpersonal skills;
• Curious;
• Detail-oriented;
• Possessing strong analytical skills. 

Only CV´s in English will be considered. 

Additional Information

#MuchMoreThanJustAJob

Early morning. Campo 24 de Agosto. In 4 minutes, you are clocking in at the office. After grabbing a cup of coffee and fresh fruit, pick up your laptop and choose your spot for the day. It's going to be a busy one: French class before lunch and, just after, quick medical appointment at Natixis doctor's office.

Lunch break. Outside in the big terrace (look at your crops at the Urban Garden; ready to harvest!) or, if you feel like stretching your legs, walk downtown to grab lunch.

Back inside. Quick sprint review (working together anywhere means virtual happy birthday to that colleague in Paris that just turned 35). The afternoon went flying (tasks, reports, calls, some jokes with your teammates). End it on a high note: just one PlayStation game or the final match for that ping-pong tournament.

Tomorrow, you complete that certified technical training and the day after, you will work from home, taking advantage to finally do that online course on Udemy. Once you are done with your tasks for the day, you can visit the office for a board games session or show up at the rehearsal of one of Natixis bands. If that is too steady for you, meet your colleagues to surf some waves or join them in a football match.