Head of Credit Risk

About the role

A well-established Parisian bank, part of an international banking group, is looking for an experienced Head of Credit Risk to lead its credit risk and credit commitments function. Reporting to the Chief Risk Officer, the role oversees credit decisions, monitors portfolio risk across group entities and ensures compliance with French and European regulatory requirements. The postholder leads a dedicated team and gives senior management a clear view of credit risk.

Key responsibilities

• Oversee the assessment of credit applications and credit-granting decisions, ensuring compliance with internal policies
• Lead and develop the credit commitments team and drive 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, run stress tests and scenario analysis, and draft and update credit policies and procedures in line with regulation
• 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

Required profile

• 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
• Fluent in French and English, with strong report-writing and presentation skills for senior audiences
• Rigorous and analytical, able to challenge commercial teams while building relationships at all levels; multi-entity or international group experience is a plus

Required skills

• 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