Fondation Arrawaj features a culture primarily shaped by innovation, promoting creativity, agility and experimentation to drive impact and transformation. This orientation is strengthened by a competitive dimension, reflecting a strong focus on performance and results. Collaboration and organizational structure further contribute to the overall balance by supporting teamwork, accountability and structured ways of working. The environment appeals to autonomous, committed profiles who thrive in dynamic and evolving contexts. [+]

1. Credit Risk Analysis and Assessment

• Review and analyze client files to assess their solvency and default risk.


• Develop risk analysis scenarios and models.


• Propose credit decisions or limits in line with internal policies.

2. Risk Monitoring and Management

• Implement indicators for monitoring risks and non-payments.


• Monitor the evolution of credit portfolios and detect anomalies or alerts.


• Participate in recovery actions and negotiations with clients.

3. Reporting and Compliance

• Produce regular reports on credit risks for management.


• Ensure practices comply with regulatory and internal requirements.


• Contribute to updating risk management procedures.

4. Management and Coordination

• Supervise and lead the credit risk team: organization, training, skills development.


• Coordinate communication with other departments (sales, legal, recovery).


• Foster a climate of vigilance, rigor, and professionalism.

• Bachelor's or Master's degree in Finance, Economics, Management, Banking, or equivalent. Further training in financial analysis, risk management, or credit is a plus.


• Proven experience in credit risk management, financial analysis, and customer file assessment. Experience in team management or department coordination is an asset.

Knowledge

• Financial analysis, credit risk management, and steering.


• Applicable banking and financial regulatory framework.


• Risk modeling, assessment, and reporting techniques.

Skills

• Rigorously assess credit files.


• Implement risk monitoring tools and dashboards.


• Analyze data and produce informed recommendations.


• Manage a team and lead projects to improve risk management.

Personal Attributes

• Critical thinking, rigor, and analytical skills.


• Autonomy, responsiveness, and organization.


• Leadership, teamwork, and pedagogical skills.


• Confidentiality, integrity, and sense of responsibility.


• Financial analysis, credit risk management, and steering.


• Applicable banking and financial regulatory framework.


• Risk modeling, assessment, and reporting techniques.