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Senior Risk Expert - Credit Risk Framework, ESG-related Credit Risk
senior · Risk & Compliance
Job ID: 3645
We are looking for a Senior Risk Expert to shape how environmental, social and governance (ESG) risks are integrated into Nordea's credit risk framework and processes. The role is a permanent, full-time position based in Helsinki or Stockholm.
About our team
Meet the Risk Appetite and ESG Framework team within Credit Risk Framework, Group Credit Risk. Our role is to develop prudent, consistent and regulatory-compliant credit risk practices across Nordea.
Group Credit Risk is an independent second line of defence unit that safeguards and supports prudent credit risk management. Within Credit Risk Framework, we develop and maintain Nordea's Group-wide credit risk and Sustainability & ESG policy frameworks. We translate external regulation and supervisory expectations into common rules and processes, working closely with credit analysis, business areas and other Group functions across the first line of defence.
Collaboration. Ownership. Passion. Courage. These are the values that guide us in how we work and how we make decisions, and that we imagine you share with us.
What you'll be doing
Main responsibilities in this role:
- Develop and maintain Nordea's credit risk framework for ESG-related risk drivers across corporate and retail credit assessment, collateral, customer rating and customer engagement processes.
- Lead guideline reviews, regulatory assessments and implementation projects with Credit Risk Framework colleagues and relevant first line of defence units.
- Translate regulation and supervisory expectations into clear, proportionate and operational credit risk requirements, guidance and training materials.
- Provide senior risk input and second line opinions for management, committees, regulatory implementation plans and supervisory interactions.
- Represent Credit Risk Framework in Nordea-wide initiatives, promote a consistent Group operating model and act as a subject-matter expert on ESG-related credit risk rules, processes and regulation.
Who you are
This is the right role for you if you are analytical, structured and solution-oriented, and can work independently in a developing regulatory area. You enjoy turning complex requirements into practical solutions, leading demanding assignments and communicating clear advice to senior stakeholders and subject-matter experts.
Your background and skills include:
- Relevant experience in credit risk management, risk control, regulatory implementation, audit, compliance, finance, economics or environmental risk management.
- Good knowledge of credit and ESG risk regulation, with a strong interest in sustainability-related financial risks and the associated regulatory framework.
- Proven ability to lead initiatives or projects and convert complex requirements into clear, workable processes and rules.
- Strong analytical, communication and presentation skills, with the ability to provide well-reasoned risk assessments and collaborate across a broad stakeholder group.
- A relevant university degree, or equivalent relevant experience, and fluent professional English.
It would be ideal if you also:
- Have experience in one or more of the following: corporate or retail credit assessment, collateral, customer ratings, risk appetite, climate or nature risk analysis, scenario analysis, business-model resilience, greenwashing risk, regulatory change or issue management.
- Have experience working with senior leaders and cross-functional stakeholders in a Nordic or Group-wide environment.
- Speak a Nordic language.
What we offer
People come here when they want to get somewhere. For some, it’s to take their career to the next level. For others, it’s to break new ground within their area of expertise – in other words, with us, you will always move forward.
A culture that fosters performance and growth in one of the largest Nordic banks, offering various opportunities to evolve, develop and learn from brilliant colleagues with diverse backgrounds in a vibrant working environment.
Hybrid working model – we believe in the value of bringing people together and at the same time we embrace the freedom of flexibility.
Diversity and inclusion are a natural part of our daily work. We know that an inclusive workplace is a sustainable one. We genuinely believe that our diverse backgrounds, experiences, characteristics and traits make us stronger together. Every day we strive to find new ways to improve diversity and inclusion within our community e.g. we have signed the European Diversity Charters in the countries where we operate to show our commitment and engage with others to continue learning and improving.
If this sounds like you, please apply!
Next steps
Submit your application as soon as possible as we start with interviews on ongoing basis. For more information, you’re welcome to contact Brent David Matthies at brent.matthies@nordea.com.
We enable dreams and aspirations for a greater good.
We build relationships. We add a personal touch to everything we do – when advising our customers, collaborating with colleagues, and meeting our potential candidates.
We learn and develop. We take pride in being experts and thinking ahead. We use our expertise to meet our customers’ needs, from the simplest to the most complex. We bring a growth mindset to our work that enables us to focus on a broader perspective in our daily challenges.
We lead change. We are responsible and aware of the impact of our decisions, both for our customers and for our local and global communities. Mindful of our responsibility towards current and future generations, we have made sustainability an integrated part of our business strategy.
We are Nordea. We have a 200-year history of supporting and growing the Nordic economies and our values are deeply rooted in these open, progressive and collaborative societies. As one of the biggest employers in the Nordics, Poland and Estonia, you have excellent opportunities to evolve, develop and move forward with us.
If you are an external consultant interested in this role and wish to apply please contact the hiring people leader for separate instruction on how to apply.
Only for candidates in Finland: A security clearance will be performed for the person selected for this position.
For candidates in Sweden: For union information, please contact finansforbundet@nordea.se or SACONordea@nordea.com.