SME Credit Risk Team Manager

About our teamBCR is a place where you can learn, grow, and help shape the future of banking. We are recognized as a school of excellence in banking, a leading employer in the financial sector, and an open, learning-oriented organization where every colleague feels seen and valued. We invest in our people and support them in building a fulfilling, secure, and balanced life.How you will contributeYou will coordinate the activity of the SME Credit Risk team, ensuring high-quality risk assessments, effective workload prioritization, and delivery within the agreed timelines;You will assess credit applications and transactions within the SME segment, providing clear and well-substantiated risk opinions based on a sound understanding of the client’s financial position, business model, and economic environment;You will evaluate transaction structures and key risk drivers, helping identify balanced and sustainable financing solutions;You will present and support risk opinions before the relevant approval bodies and contribute to credit decisions within the authority assigned to the role;You will monitor portfolio performance, proactively identifying early warning signs, potential vulnerabilities, and the measures required to mitigate risk;You will work closely with business teams and other functions involved in the lending process, providing an independent and constructive risk perspective;You will ensure the consistent application of credit policies, risk standards, and regulatory requirements relevant to the team’s activity;You will lead and develop the team by setting clear objectives, providing ongoing feedback, and supporting colleagues’ professional growth, while fostering accountability and high-quality decision-making.What will help you succeedA university degree in Economics, Finance, Law, or a related field; postgraduate studies and professional qualifications such as ACCA or CFA would be an advantage;At least 7 years of professional experience, including a minimum of 5 years in banking or financial services and at least 3 years in a team leadership role;Solid experience in credit risk assessment, ideally within the SME or corporate segment, combined with the ability to critically evaluate transactions and business models;A strong understanding of financial statements, business models, financing structures, and the factors that may affect a client’s repayment capacity;The ability to critically assess complex transactions, integrate different perspectives, and formulate well-supported recommendations and decisions;Strong leadership, communication, and influencing skills, together with the ability to build effective working relationships with stakeholders across different functions;Advanced English language skills;Project management knowledge; experience in credit process standardization and automation projects would be an advantage.Sounds like you'd be a good fit? Check out what we provide for our peopleMonthly budget for flexible benefits through the Benefit Online platform;13th month salary;Performance-based bonus;Banking facilities, benefits for private pension and discounts on insurance policies;Gifts for special occasions;Vacation allowance;Private medical services for you and your family;Hybrid and flexible work schedule;1 month / per year of remote work from abroad (UE);Up to 27 vacation days depending on your professional experience;Extra 7 days off per year if you have used up your vacation days;One day off for your birthday;Wellbeing, personal and professional development programs, and platforms that allow you to learn anytime, anywhere, and from any device;Subscription to Bookster.To find out how BCR processes the personal data required in the recruitment process, please visit https://www.bcr.ro/ro/cariere/informare-candidati