Credit Internal Models Portfolio Strategist Risk Hub

hace 2 semanas

Madrid, Madrid, España BNP Paribas A tiempo completo
CREDIT INTERNAL MODELS PORTFOLIO - Strategist

BNP Paribas is an international bank with leading positions in the European market. It is present in 74 countries and employs more than 192,000 people, 146,000 of whom are in Europe.

The Group holds key positions in its three main areas of activity:

Domestic Markets and International Financial Services (whose retail banking and financial services network is part of Retail Banking & Services), as well as Corporate & Institutional Banking, which offers services to corporate and institutional clients.

The Group supports its customers (individuals, entrepreneurs, SMEs, large companies and institutions) to help them carrying out their projects by providing financing, investment, savings and insurance services.


In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is number one in retail financing in Europe.


BNP Paribas is developing its integrated retail banking model in the Mediterranean countries, Turkey, Eastern Europe and has an important network on the US West Coast.

In both its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas has leading positions in Europe, a strong presence in the Americas and a solid and growing network in the Asia-Pacific region.

RISK is an integrated and independent control function of the BNP Paribas Group.

It is the second line of defense on the risk management activities of the Group which are under its direct responsibilities, including credit and counterparty risk, market risk, funding and liquidity risk, interest rate and foreign exchange risks in the banking book, insurance risk, operational risk, and environmental and social risks.


RISK aims at being a partner of the businesses by contributing to their sustainable development, but also a gatekeeper to ensure risks taken remain compatible with the Group's Risk Appetite and its strategy.


RISK Iberian Hub Madrid is a transversal platform servicing the RISK Function by covering added-value activities around credit risk, market risk, operational risk and data protection.

Offering a wide range of services to RISK teams, from consulting to cyber security going through data analysis, modelling or artificial intelligence.

Your team belongs to BNP Paribas RISK Division employees in 50+ countries), recognized for its excellence among its peers.

RISK is an integrated and independent function, it covers all the risks of the Bank (credit, market, liquidity, operational, ESG risks).

RISK is part of the control functions but is also a partner for Business Lines and helps them sustainably growing.


Inside RISK, RISK Models & Regulatory (100+ teammates) designs "internal" models (used for both risk management and capital requirements measurements) and ensures their performance over time, while playing a watch tower role regarding regulatory changes.

Inside RISK Models & Regulatory (15 teammates), the Models Portfolio Management team ('MOMA') plays a key role as it facilitates Top Management decision regarding the Modelling Trajectory

Analyses the cost-benefit equilibrium of IRBA approaches use. This analysis is supported by a regular IRBA model inventory, augmented by the most meaningful/innovative indicators, including simulations.

Constructs mid-term model-related trajectory of capital requirements, monitors the impacts for all entities of the Bank and ensures consistence in visions with Finance and Strategy Function

When necessary, MOMA designs and maintains its own simulation tools.

Also incubates or directly coordinates strategic programs to convert Regulation changes/challenges in transformation opportunities.

For example, lately, MOMA has designed two very large transformation programmes to prepare the Bank to CRR3 ("Basel 4") or align the model portfolio to Regulatory Guidelines ("IRB Repair").

These programmes are both pluriannual both mobilise 100+ people in different divisions

Ensures that new models are swiftly and efficiently inserted in credit risk processes

It gives you a lot of visibility and responsibilities

MISSION


In your day to day, you will contribute to the Business Case assessment (ie cost-benefit analysis) of internal modelling and to the design and validation of the 5-year modelling roadmap.


Indeed, the Bank is engaged to make changes to models in a defined timeline, in accordance with Supervisor's (ECB) decisions.

These models' changes have costs and benefits attached (engaged resources/ potential rwa changes).

RESPONSIBILITIES

In your position, you will:
Register the review reports and decisions and analyse the Regulatory expectations based on these documents

Categorize the changes to be brought to the models / processes / data

Ensure that adequate stakeholders and resources are mobilised to remedy

Ensure that developers and reviewers agree on the actions to be performed

Ensure that deadlines fit in a sustainab

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