Credit Risk Analyst

Mission Overview:

Keystone Solutions is seeking a full\-time Risk Analyst to join our consultancy team for a mission at our client in Erps\-Kwerps. As a Keystone Solutions consultant, you will execute the full scope of IFRS 9 credit risk responsibilities on\-site or in hybrid collaboration with the client, ensuring reliable provisioning, regulatory compliance, and impactful insights for decision\-making. Fluency in English is essential, and proficiency in Dutch or French is highly valued.

Role Location and Contract Type:

Location: Erps\-Kwerps

Position Type: Full\-time

Languages: English (required), French or Dutch (at least one preferred)

Key Responsibilities:

• Calculate and monitor Expected Credit Losses (ECL) across portfolios (loss allowances, cost of risk, etc.).


• Manage IFRS 9 staging, including DPD monitoring and analysis of stage migrations.


• Develop, monitor, and validate risk parameters (PD, LGD, EAD): model development, calibration, backtesting, and periodic validation.


• Monitor and validate scorecards.


• Prepare and validate IFRS 9 data: ensure data quality, perform data checks, and organize data delivery to reporting tools.


• Analyse and explain provisioning movements: assess drivers of loss allowance variations (volume, portfolio mix, parameter changes); explain movements (stage migrations, write\-offs, recoveries); communicate impacts to management.


• Prepare internal and external reporting.


• Ensure governance and coordination with Controlling and Accounting; manage methodological changes and obtain required approvals (e.g., models, parameters).


• Maintain IFRS 9 documentation and ensure regulatory compliance.


• Maintain strong cross\-functional coordination with relevant departments (Collections, Litigation, etc.) to identify and analyse the root causes of staging movements, write\-offs, and other credit risk developments.


• Contribute to and oversee risk and compliance initiatives within the organization.

All responsibilities above will be performed as a Keystone Solutions consultant working closely with the client under our consultancy model.

Required Profile:

• Education: Master's degree in Actuarial Science, Mathematics, Applied Economics, or a related field.


• Experience: A minimum of 3 years of experience in credit risk.


• Risk Models Knowledge: Proficiency in credit risk models (ECL: PD, LGD, EAD) and a solid understanding of the overall risk rules (IFRS 9\) and landscape.


• Technical Skills: Competency in econometrics and statistical model building. Experience with SAS is essential; knowledge of other analytical tools such as STATA, Python, and SQL is a significant advantage.


• Programming Skills: Advanced proficiency in MS Office, including VBA, or other procedural programming languages.


• Language Skills: Fluency in English is required. Proficiency in Dutch or French is preferred. Knowledge of German is an advantage.

The successful candidate will carry out these requirements as a Keystone Solutions consultant, embedded with the client to deliver measurable outcomes.

Consultancy Model at Keystone Solutions:

• Consultancy Nature of Work: Operate as a Keystone Solutions consultant, working on\-site at client locations or in hybrid settings. You will integrate with client teams while benefiting from Keystone Solutions' guidance and standards.


• Dynamic Projects: Engage with diverse portfolios, risk challenges, and regulatory contexts across client missions, broadening your exposure to methodologies, data environments, and governance frameworks.


• Turbo\-Charged Learning and Development: Access continuous learning through project\-based development and peer knowledge exchange. Enhance capabilities in IFRS 9, ECL modeling, data quality, and cross\-functional risk governance.


• Ambition Skyrocketing within a Consultancy Framework: Accelerate your career by taking on progressive responsibilities across missions, from parameter model development and backtesting to provisioning analytics and stakeholder communication.

Keystone Solutions' Values in Action:

As a Keystone Solutions consultant, you bring our core values to every engagement—delivering excellence, fostering collaboration with client stakeholders, and maintaining integrity and accountability in all risk analyses, models, and reports. Being a K\-Stone means representing these values consistently in each client project.

Benefits of the Role:

• Impact: Play a key role in maintaining a healthy portfolio and ensuring sound credit risk management and in the continuous improvement of risk processes and methodologies.


• Cross\-functional Projects: Collaborate with various teams at the client and across functions such as Collections and Litigation.


• Innovative Environment: Work in a progressive and agile environment where innovative ideas are valued over conventional approaches.


• Challenging Projects: Engage in high\-impact projects at the forefront of evolving regulations and changing market conditions.

How You Will Succeed as a Consultant:

• Adopt and enhance client processes while ensuring IFRS 9 compliance and documentation rigor.


• Deliver high\-quality ECL calculations, parameter models, staging analytics, and provisioning explanations, translating technical results for management.


• Coordinate with Controlling, Accounting, and operational teams to secure approvals, align methodologies, and enable accurate reporting.

Application:

If you are ready to tackle technical and strategic challenges in a dynamic consultancy environment, apply today .

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