About the job

Within the Group RISK Function, the main mission of RISK EM is to manage credit risk, counterparty risk, market risk and operational risk within the Retail Banking perimeter, which covers Central Europe (Poland, Ukraine), Turkey and the Maghreb (Morocco and Algeria) to:

• Contribute to the implementation of a robust risk management framework within the scope,
• Monitor and control risks on its perimeter, providing a dynamic and comprehensive analysis of all the risks incurred within its scope,
• Ensure compliance with banking regulations in the risk area, in conjunction with the relevant functions within its scope.

Your Main Activities Are

Supporting the EM Risk teams

• Framework, planning and budgeting of work
• Coordination and development of supporting materials in response to ad hoc requests from the Group (e.g. Stress Tests, ETS, CRR impact study)
• Participate in the preparation of materials & minutes for project committees, steering committees and strategic committees (AQC)
• Ensure the update of EM policies on non-performing loans, and coordinate cascading within EM entities and monitor operational implementation.
• Production of adequate documentation in line with Group Documentation

 As part of B-Ready program for the implementation of CRR3 guidelines,

• Coordinate actions to ensure the sourcing of CRR3 data, and support EM entities in the certification phase of the calculation of the CRR3 RWA.
• Integration of additional regulatory data into local systems required to calculate the RWA according to the Bale 4 standards.
• Coordination of the certification phase (Dry Run) and support to entities for data verification, understanding and interpretation of results, as well as implementation of action plans.

Supporting the Risk EM central teams as a PMO on the Prudential Backstops project

• Support entities for the shortfall computation, in respect of the timeline imposed by the regulator and by the Group. 
• Organize workshops with entities and ensure the minutes with the monitoring of action / decisions exchanges. 
• Collect, control and consolidate the shortfall computed by entities, 
• Lead the building of the forecast assumption of provisioning evolution.

Ensure the data collection for the Stress Test EBA 2023 and Stress Test CRE

• Collect Group needs and share the instructions to EM entities
• Monitor the progress of the work in relation to the plans imposed.
• Provide support to EM entities in their collection work (prioritization, identification of alternative solutions in case of missing data

Coordinate the data reliability actions used to meet the calculation needs of IFRS9 provisions (Stages 1, 2 and 3), shortfalls computation and more generally on all projects monitored by the team:

• Support BMCI in identifying data corrections/development, defining and operational monitoring of action plans with a view to improving reliability and data collection.
• Monitor the correction actions and the implementation of IT roadmaps for data implementation, feeding and control.

Monitor the implementation of indicators of financial difficulties in the credit process

• Monitoring the integration of UTP in the credit process, in the respect of the regulatory deliverables.
• Maintenance of the UTP dashboard for monitoring UTP deployment.
• Communicate and control the application of updated instructions. 

Profile and Skills to Success

• 2/3 years of experience in same or related field

• Data knowledge
• Risk analysis
• Culture Transformation Change Management
• Process improvement
• Project management
• Active collaboration 
• Adaptability
• English (mandatory): fluent 
• French (recommended): Operational

#LI-Hybrid

Why joining BNP Paribas? 

· Leading banking institution

BNP Paribas is the European Union’s leading bank, and key player in international banking. It operates in 63 countries and has nearly 183.000 employees, including more than 146.000 in Europe.

· Our presence in Portugal

In Portugal since 1985, BNP Paribas today has more than 8.700 employees, distributed across the Group's 10 business entities established in the country. Its presence also extends to 11 excellence centres providing value-added services to various countries where the BNP Paribas Group also operates.

· International reach

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions: 

• Retail Banking, a division that brings together all of the Group’s retail activities and specialised business lines; 
• Investment & Protection Services that include specialised businesses offering a wide range of savings, investment and protection services; 
• Corporate & Institutional Banking division that offers tailored financial solutions for corporate and institutional clients.

· Diversity and Inclusion commitment

BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

· Commitment towards work/life balance

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.

· Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices. 

To find out more on why you should join BNP Paribas visit https://bnpp.lk/why-BNP-Paribas-Portugal

* Please note that only applications submitted in English will be considered. 

* In case you are selected for this role, further documentation will be requested to support your hiring process.