Wise
Finance / FinServ
SeniorCreditRiskManager
“Senior Credit Risk Manager at Wise. Skills: Credit Risk, Quantitative Risk Analysis, Stress Testing, Capital & Liquidity Modeling, Counterparty Risk. Conduct deep-dive financial analysis of banks, NBFIs, and corporate clients, evaluating liquidity, capital adequacy, and asset quality.. Design and assign credit limits for financial partners and Wise Platform clients, ensuring they align with our evolving risk appetite.”
What You'll Achieve.
ensure our global network of banks, NBFIs, and corporate partners remains resilient; ensure risk-sensitive pricing and exposure management; ensure that our bond holdings, bank deposits, and MMF investments collectively stay within regulatory concentration limits; modeling the credit risk of the investment book under stressed conditions; ensure Wise is protected against market volatility and counterparty default; support Wise’s growth without compromising safety
Industry & Context.
look at a complex balance sheet and quickly identify the "red flags"
What They're Looking For.
Must Have
Counterparty Credit Risk experience, Solid grasp of Counterparty Credit limit, Concentration Risk and capital requirements, Understand how to translate such requirements into operational workflows, Comfortable with financial modeling and the quantitative side of risk (Stress testing, EAD/PD/LGD, and capital requirement modeling)
Nice to Have
FRM (Financial Risk Manager), PRM, or CFA designation
What You'll Do.
Conduct deep-dive financial analysis of banks, NBFIs, and corporate clients, evaluating liquidity, capital adequacy, and asset quality., Design and assign credit limits for financial partners and Wise Platform clients, ensuring they align with our evolving risk appetite., Lead the application and refinement of internal credit rating models to ensure risk-sensitive pricing and exposure management., Document and support credit decisions and recommendations to the Credit Risk Committee and the Asset & Liabilities Committee (ALCO)., Act as the SME for concentration and counterparty risk limits, ensuring that our bond holdings, bank deposits, and MMF investments collectively stay within regulatory concentration limits., Contribute quantitative expertise to ICARA and ILAAP processes, including modeling the credit risk of the investment book under stressed conditions., Run "what-if" scenarios on the credit portfolio (e.
, a rating downgrade of a major bond issuer or a liquidity freeze in the Repo market)., Conduct credit assessments and provide risk-based opinions on investment instruments, including Sovereign/Corporate Bonds, Money Market Funds (MMFs), and Repurchase Agreements (Repos)., Develop frameworks to evaluate counterparty exposure against financial returns., Build the rationale for Risk vs.
Price and Risk vs.
ROI, ensuring Treasury yield targets stay aligned with our credit risk appetite., Assess the quality and "haircuts" of collateral in Repo transactions to ensure Wise is protected against market volatility and counterparty default., Manage real-time alerts for limit breaches, overshots, and deteriorating credit signals., Present well-reasoned recommendations and KPIs to the Credit Risk Committee and ALCO., Partner with the Banking, Treasury, and Payment Ops teams to find "risk-balanced" solutions that support Wise’s growth without compromising safety.
How You'll Work.
Team & Collaboration
Partner with the Banking, Treasury, and Payment Ops teams to find "risk-balanced" solutions that support Wise’s growth without compromising safety.
Communication Scope
explain why they matter to non-risk stakeholders
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