Credit Risk Manager

Title: Credit Risk Manager

Location: Paris, France

About the Client

Our client, a well-established bank based in Paris and part of an international banking group, is looking for an experienced Credit Risk Manager to lead its credit risk and credit commitments function. Reporting to the Chief Risk Officer, you will oversee credit decisions, monitor portfolio risk across group entities, and make sure the bank meets French and European regulatory requirements. You will lead a dedicated team and give senior management a clear view of credit risk across the organisation.

Key Responsibilities

• Oversee the assessment of credit applications and credit-granting decisions, ensuring compliance with internal policies
• Lead and develop the credit commitments team, driving its performance
• Identify, assess, and manage credit risk across loan portfolios, including monitoring authorised and unauthorised limit overruns
• Report to and lead the Credit Risk Committee, setting KPIs and risk-monitoring tools
• Manage non-performing loans and provisioning, and run stress tests and scenario analysis to anticipate emerging risks
• Draft and update credit policies and procedures in line with regulation, in coordination with group entities and the parent company
• Produce credit portfolio reporting for senior management and the parent group, deliver ACPR regulatory reporting, and support group entities with local regulatory reporting
• Partner with commercial teams on tailored financing solutions and contribute to process improvement and cross-functional risk projects

Key Requirements

• Master’s degree in Finance, Banking, Economics, or a related field
• 7+ years in credit risk, credit analysis, or credit commitments within a bank, including team management experience
• Solid knowledge of the French and European banking regulatory framework, including ACPR reporting and prudential requirements
• Strong credit analysis skills and hands-on experience with credit-granting processes and credit committees
• Experience with NPL management, provisioning (ideally IFRS 9), and stress testing
• Proven ability to lead, train, and motivate a team
• Fluent in French and English, with strong report-writing and presentation skills for senior audiences
• Rigorous and analytical, with the confidence to challenge commercial teams and build relationships at all levels; multi-entity or international group experience is a plus