Head of SME Credit Risk Management

Job description

You’ve probably noticed us already. TBI Bank is challenging the established norms not only in banking, but in the way we work every day and how we speak with our community.

Our successful business model and customer-focus approach allowed us to be one of Bulgaria’s most profitable and efficient banks in the last 4 years (Capital K10). TBI Bank’s team of dedicated professionals works hard for a future powered by technology in order to become the next gen digital lender.

We are looking for a highly organized, experienced and responsible professional for the role of Head of SME Credit Risk Management! 


What you’ll be doing:

  • Organizes and coordinates the credit analysis activity and assigns the credit applications to the credit analysts
  • Manages and controls the quality of the credit risk opinions issued for SME clients.
  • Identifies and proposes for approval appropriate financing structure in order to secure the interests of the Bank
  • Issues risk opinions for new products, scoring tools, policies, particular deals and projects within the SME area of activity.
  • Analyzes the market conditions and monitors the portfolio quality
  • Prepares and submits the applications to the Credit Committee members
  • Acts as a member of the Credit Committee of the Bank and substitutes the secretary in his absence
  • Participates in the calculation of the monthly IFRS provision charges
  • Organizes and coordinates the Credit Control activity. Ensures proper documentation of the credit granting process and respective decisions.

Job requirements

What you need:

  • Previous experience on a similar position or knowledge in the area of credit risk assessment of small and medium companies
  • University degree in Banking, Finance or other relevant field
  • Fluent level of English
  • Computer literacy: Microsoft Office, Banking systems
  • Good communication, organizational and people-management skills.


What we offer:

  • Opportunity for career development in Bulgaria’s most profitable & efficient bank (K10)
  • A friendly environment & team of passionate multinational professionals
  • Be a part of a new generation phygital bank
  • Competitive salary
  • Additional social package (health insurance, multisport card, preferential terms on our products, Discounts program)
  • Great office location in Lozenets, near metro station.


If this sounds like something you’d be interested in, we'd love to hear from you!

To apply for this position, please send us your CV in English.

Only shortlisted candidates will be contacted for interview.