Job Title: Senior Consultant / Manager
We are seeking a highly motivated and experienced Senior Consultant / Manager to join our Financial Services Risk Management (FSRM) team. As a Senior Consultant / Manager, you will work with prestigious clients in the financial services market (Banking and Capital Markets, Asset Management, and Insurance) to make strategic and operational changes about their businesses.
* Supporting financial institutions through governance model definition, policies, processes, and procedures according to local, national, and global requirements;
* Establishing, monitoring, evaluating, and interpreting data with a risk management focus;
* Implementing key regulatory requirements and guidelines;
* Developing Probability of Default and Loss Given Default risk rating models for commercial & corporate borrowers;
* Developing time series Stress Test models to support capital planning initiatives;
* Monitoring performance and validating models;
* Manipulating and analyzing data using SQL, SAS, and other tools, presenting results and recommendations to Credit Risk Management;
* Contributing to impairment model analysis;
* Participating in regulatory risk assessment exercises and independent reviews of applicable prudential frameworks;
* Identifying risks and improvement opportunities;
* Understanding and adhering to clients' risk and regulatory standards, policies, and controls in accordance with the clients' risk Appetite;
* Escalating risk-related issues to management;
* Supporting team management;
* Developing the FSRM team, acting as a mentor and coach to junior members, and leading by example;
* Assessing and presenting ways to serve clients, understanding EY and its service lines.
Skills and Attributes:
* Strong communication, presentation, and business and technical writing skills;
* Excellent analytical skills and confidence in translating complex data into meaningful insights;
* Ability to prioritize projects effectively and adapt quickly to new challenges and concepts;
* Technical rigor and attention to detail;
* Strong work ethic;
* Professional responsibility, confidentiality, and integrity;
* Efficient, innovative, and team-oriented work environment;
* Dedicated, innovative, resourceful, and able to work under pressure;
* Team player and critical thinker;
* Forward thinker and self-starter.
Qualifications:
* Academic Degree in Management, Economics, Finance, Statistics, Mathematics, or similar fields;
* At least 3-4 years of experience in risk management analysis and projects, mainly in the banking sector;
* Background in consulting is valuable;
* Knowledge of local and international banking regulations affecting models and rating systems;
* Relevant experience in developing or validating end-to-end statistical models, including credit IRB, IFRS 9 provisioning, and stress testing;
* Knowledge and previous experience of PD / LGD / EAD modeling or validation;
* Good knowledge of risk model development and validation techniques;
* Understanding of industry-wide modeling practices and trends;
* Knowledge of programming languages such as SAS, SQL, R, VBA, and others;
* Ability to work in multicultural projects and environments;
* Fluent written and verbal communication skills in Portuguese and English;
* Availability to work in Portugal and abroad.
Ideal Qualifications:
* Experience in prudential and supervision frameworks;
* Experience in developing or validating Internal Capital models;
* Commercial acuity to develop existing opportunities and identify new ones.
What We Look For:
We seek highly motivated individuals with excellent problem-solving skills, ability to prioritize shifting workloads in a rapidly changing industry. An effective communicator, you'll be a confident team player equipped with strong people management skills and a genuine passion to make things happen in a dynamic organization. If you're ready to take on a wide range of responsibilities and committed to seeking out new ways to make a difference, this role is for you.