At UBB we share values such as trust, equity and inclusion, by taking the responsibility to our employees and to the society extremely seriously. We strive to be a role model by encouraging open dialogue and collaboration and by creating an environment where every employee feels heard and appreciated. 

At UBB we firmly believe that people are our greatest asset and the driving force for our company to pursue the excellence we have been striving for. The company is convinced that the ultimate goal must always be meaningful and in sync with our company core values. We will be happy if you would share your uniqueness and become part of our team, where together to be First! 

 
MAIN RESPONSIBILITIES    

• In charge for the monthly process of Impairments calculation in compliance with KBC Group requirements 
• Interpretation of the monthly results of Impairments on Financial assets (ECL -Expected Credit Losses) based on the IFRS9 framework and methodology. 
• Credit risk analysis based on the risk parameters of the ECL models (and the associated IFRS9 PD, LGD, and EAD models). 
• Participate in working groups for challenging and explanation of unusual trends on credit risk indicators on KBC Group level. 
• Active involvement in the monthly process of IFRS9 application and Expected Credit losses calculation. 
• Be part of the bank/ KBC Group initiatives related to the Impairments analysis, changes in the regulatory framework related to credit risk and back testing exercises. 
• Application management for IFRS9 (Expected credit losses) calculation. 
• Play challenging role with regards to the evolution and the loan book and evolution of the risk parameters (deterioration of credit status of clients, staging as per IFRS 9, etc.) 
   

REQUIREMENTS  

• University degree in Economics, Business Administration, Mathematics, informatics or in other applied science field (e.g. Statistics); 
• Excellent command of English (both written and spoken); 
• Excellent computer competences – MS Office (Excel, Power Point); 
• Experience with database software (i.e. SQL, SAS);
• Strong analytical and interpersonal skills; 

 
The position is suitable for candidates with experience working in the banking/credit risk sector or candidates with little/no experience but with an interest in a development of a career related to this field. 
 
WHAT WE OFFER  

• Excellent opportunities for professional and career development in the biggest financial group in Bulgaria and KBC Group Team 
• Competitive remuneration 
• United team of motivated and committed professionals 
• A challenging, dynamic and innovating environment with an open culture where personal development and growth are encouraged 
• Competitive bonus system, tailored to a position’s specifics 
• Opportunities for attending internal and external trainings, as well as such at КВC Group level 
• Comprehensive Medical Care insurance 
• Life Insurance and a health improvement and disease prevention package 
• Preferential terms for use of products and services with all KBC Group companies in Bulgaria 
• Additional bonus for important life events 
• Excellent work location in the heart of Sofia - UBB Millennium center 
• Hybrid working model and flexible working time 
• Food vouchers -  100 BGN 
• 25 days annual paid leave 
• Sport card 

  
Share your future with us! 
Please, send your CV by using the button “Apply for this job” on the bottom of the page. 
Only short-listed candidates will be contacted. All applications will be treated under strict confidentiality. Personal data are under special protection in accordance with the Law for Protection of Personal Data. 
  
MORE ABOUT US  
The Belgian KBC Group is the biggest banking and insurance group in Bulgaria. In Bulgaria it unites companies with years’ long history and versatile experience. The companies, part of KBC Group Bulgaria are United Bulgarian Bank, DZI, UBB Interlease, UBB Pension Insurance, UBB Asset Management, UBB Factoring, UBB Insurance Broker, KBC Bulgaria Branch. They offer the full spectrum of financial services, including lease, asset management and factoring ones. 
 
Our strategy is to encompass the long-term framework for development of the company, based on a clear and sustainable mission, vision and values. In order to earn the trust of our clients and build long-term relationships with them, we count on a professional team of loyal and motivated employees, committed to the goals of the company. 
While invariably standing by our corporate values, we want to be the reference in the bank-assurance business through client-centricity in all our activities. We aim at achieving sustainable and profitable growth by fulfillment of our role in society.