Credit Risk Officer at Swissquote

Luxembourg, , Luxembourg -

Full Time

Start Date

Immediate

Expiry Date

11 Jun, 26

Salary

0.0

Posted On

13 Mar, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Oversight, Credit Policies, Risk Identification, Credit-worthiness Assessments, Collateral Risk Analysis, Lending Decisions, Pledge-Rate Methodologies, Capital Requirements, Counterparty Credit Risk, Expected Credit Loss, Risk Monitoring Tools, Risk Analysis, Risk Management Policies, Independent Risk Assessments, Data-Driven Insights, Leadership

Industry

Banking

Description

Company Description As a leading provider of online financial services, Swissquote Group offers innovative solutions and comprehensive services to meet the wide-ranging demands of its global clients. Swissquote Bank Europe is the EU bank of the Swissquote Group (listed on the SIX Swiss Exchange), and has been at the forefront of online investing for 25 years. Powerful multi-asset digital platforms and personalised banking come together to deliver private clients, intermediaries and financial institutions a more efficient way to manage wealth. Job Description Lead daily the supervision of the (Lombard) loan book, ensuring compliance with credit policies and proactive identification of emerging risks. Lead credit-worthiness assessments and collateral risk analysis for new lending requests. Challenge first-line lending decisions with independent, data-driven insights. Drive the review and enhancement of pledge-rate methodologies across eligible asset classes. Perform credit risk capital requirements, including counterparty credit risk and Expected Credit Loss (ECL) calculations . Lead the development and improvements of credit monitoring tools for the Bank Prepare and present key risk analysis / reports to management and internal committees. Shape risk management policies and procedures to strengthen the bank’s credit integrity. Provide independent risk assessments for new products and services. Qualifications University degree in Business, Economics, Finance, or a related field. 5+ years of banking experience in Luxembourg or the EU, with strong exposure to credit risk oversight. In-depth knowledge of CRR (Capital Requirements Regulation), specific expertise in credit risk, IFRS9 and EBA guidelines on loan origination and monitoring Proven ability to provide independent risk oversight at a senior level Hands-on experience in risk monitoring and challenge of first-line lending activities. Strong leadership, analytical and decision-making skills, with the ability to influence across business lines. Proficiency in MS Office and Bloomberg Terminal. Programming skills are a plus (MS Access, VBA) Excellent communication skills in English; French is a plus. Additional Information A chance to work in a high-performing team in a collaborative environment. A comprehensive benefits package including annual performance bonus, occupational pension scheme, share plan, concierge services, 34.5 paid holidays, and more A great work environment in our offices located at Luxembourg’s Kirchberg financial district. SQ1 Managerial role: No

Responsibilities

The role involves leading the daily supervision of the loan book, ensuring compliance with credit policies, and proactively identifying emerging risks. Key duties include performing credit-worthiness assessments, challenging lending decisions, and driving the enhancement of pledge-rate methodologies.