Main purpose
Own the credit view of portfolio and counterparties, drive active portfolio management and shape risk appetite alongside senior stakeholders
Prepare portfolio insights, emerging risks for audiences ranging from Committees, book/division heads, and senior credit managers.
Act as functional owner and manage stakeholders for the inhouse credit risk system used across the organization with functions such as exposure calculation, limit monitoring, reporting and other related functions
Key responsibilities
- Perform in-depth credit analysis of counterparties / portfolio using financial statements, transaction data, market signals and qualitative judgement.
- Develop strong understanding of trade structures, credit appetite and credit mitigants
- Prepare clear, well-reasoned reports/analytics on market and portfolio movements for audiences ranging from Committees, book/division heads, and senior credit managers
- Monitor the portfolio for early-warning signals using advanced methods; recommend proactive mitigating actions.
- Develop expertise on Credit portfolio management metrics, such as concentration risk, risk appetite, capital utilization, risk return, MTM & PFE, contractual netting, stress testing and sensitivity analysis.
- Manage the credit risk data model, integrating data from relevant source systems, cleaning and transforming and integrating into analytical tools.
- Work at the intersection of credit, trade finance, operations, structured finance and technology. To ensure the credit risk system and reporting accurately reflect portfolio reality
Required qualifications
- Minimum ~8-10 years' experience in credit risk management, with a substantial portion in counterparty underwriting and credit approval roles (trading house, bank, insurer or similar)
- Demonstrable delegated credit approval authority, and experience presenting to and defending recommendations at Committees.
- Strong working knowledge of trade finance instruments and credit mitigants (LCs, SBLCs, credit insurance, parent guarantees, prepayments, netting, security packages).
- Use AI for advance credit analytics
Preferred qualifications
- Master's degree in finance, Economics, Engineering, Mathematics or a related quantitative discipline.
- CFA, FRM, PRM or equivalent credentials are preferred.
- Experience of commodities trade flows and associated credit risk would be advantageous.
Attributes for success
Combination of expertise in Credit Risk, Commercial, and technology.
Department overview
It's a global team, reporting directly to the Head of Credit Portfolio Management.
Equal opportunity employer
We are an Equal Opportunity Employer and take pride in a diverse workforce! We do not discriminate in recruitment, hiring, training, promotion or other employment practices for reasons of race, colour, religion, gender, sexual orientation, national origin, age, marital or veteran status, medical condition or handicap, disability, or any other legally protected status.
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Senior Manager, Credit Portfolio Management employer: Trafigura
At Trafigura, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters collaboration and innovation in the heart of Harrow. Our commitment to employee growth is evident through comprehensive training programmes and career advancement opportunities, ensuring that our team members thrive both personally and professionally. With competitive benefits and a focus on work-life balance, Trafigura stands out as a rewarding place to build a meaningful career.
