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Financial Risk Specialist/Senior specialist Financial Organization
012 -5961868
2000-2500 AZN
24.07.2024

Job Description

Responsibilities :

ESSENTIAL DUTIES include the following. 

Participating in the development and implementation of credit risk strategies, policies, and procedures to ensure sound lending and collection practices, and minimize credit losses;
Analyzing customer, business and portfolio data to identify trends, patterns, and potential credit risks;
Assessing credit risk models and methodologies to ensure accuracy, effectiveness, and compliance with regulatory requirements and industry best practices;
Monitoring credit risk exposures and portfolio quality and structure, and developing risk mitigation strategies to address identified risks;
Collaborating with internal stakeholders, including sales, underwriting, and collections teams, to implement credit risk management initiatives and optimize credit risk decisions;
Providing credit risk expertise and guidance to senior management, including recommendations on product terms, credit policies, underwriting criteria, and portfolio management strategies;
Contributing to the development and implementation of financial risk management tools and analytics, including vintage, roll rate analysis etc., to enhance risk oversight and effectiveness;
Assessing financial risks using mathematical and statistical methods;
Participating in the development of stress-testing framework and conducting stress-tests;
Financial assessment of strategic and major third-parties;
Calculating and reporting on a monthly basis Key Financial Risk Indicators and Country Risk Early Warning Indicators.

Requirements :

COMPETENCIES             
Strong interpersonal, communication and presentation skills.
Strong business management and negotiating skills.
Ability to collaborate effectively with cross-functional teams and stakeholders.
Detail-oriented and able to work independently.
Strong analytical and problem-solving skills.
 
QUALIFICATIONS

Strong understanding of credit risk principles, methodologies, and regulatory requirements.
Strong knowledge of financial statements and financial risk concepts.
CERM, FRM or other financial risk management certifications are preferred.


Education & Experience

Bachelor Degree in Economics, Business, Finance, Management or related field (master degree is preferred).
Minimum 2 years of experience in Financial Risk Management (experience in credit risk is preferred) or related field in credit institutions.

Language Skills

Fluency in Azerbaijani
Good command of the English.


Computer Skills       
           
Proficiency in MS Excel (knowledge of other analytical and data visualization tools is preferred)

KEY RELATIONSHIPS

Sales Unit
Centralized Data Processing Unit
Underwriting Unit
Branch network
Collection & Recovery Unit
Finance Department
MIS unit