54 Banking Risk jobs in Ireland

Work Location
:

Dublin, Ireland

Hours
35

Line Of Business
Risk Management

Pay Details
We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description
Department Overview:
The Credit Risk Management team contributes to the successful achievement of business and strategic objectives of TD Global Finance ("TDGF") by providing credit risk expertise and oversight, and enabling the business and corporate support functions to effectively manage their credit risk exposures to an acceptable level.

Job Accountabilities
The TDGF Credit Risk Specialist will support the TDGF Credit Risk Manager and CRO in the management of TDGF's Credit Risk.

• Provide accurate, complete, objective assessment of all key credit risks in TDGF through the identification, understanding and control of these risks

• Responsible for local approval of TDGF credit limits and reviews (within their authority limit) in addition to the TD Bank Group credit adjudication process, including:

• Verifying that risk ratings are assigned accurately

• Playing a consultative and advisory role by sharing specialised knowledge and providing reasons/logic for own or bank decisions
• Developing and maintaining sound knowledge of specific industries, and of the related appropriate lending structures
• Keeping abreast of market and competitive forces in Europe, North America and internationally

• Initiating appropriate action on major accounts where the risk to the bank is deteriorating

• Support the TDGF Credit Risk Manager and CRO in the expansion of 2nd line Credit Risk Management activities to support strategic growth and development of TD Securities' European business

• Assist in the specification of entity-specific credit risk limits for TD Securities' European business
• Support the risk assessment process and development of the risk appetite statement for credit risk
• Support the TDGF Credit Risk Manager in verifying that global credit policies, procedures and associated models are appropriate to the operations of TDGF and TD's European strategy
• Responsible for the timeliness and accuracy of local credit risk reporting of credit exposures and credit risk management activities, providing ad-hoc bespoke reporting on specific sectors or portfolios when appropriate
• Provide analysis, interpretation and consolidation of credit risk reporting and outputs for submission to TDGF Senior Management and Committees
• Review breaches of credit risk limits, ensuring any limit exceptions are escalated and actioned appropriately
• Monitor European regulatory requirements with regard to credit risk, communicating any changes or potential compliance gaps relevant to TDGF to the TDGF Credit Risk Manager
• Support the TDGF Credit Risk Manager and CRO in regulatory engagement, queries and remediation activities
• Provide specialised knowledge on European regulatory requirements with regard to credit risk and related activities, ensuring applicable policies and procedures remain compliant at all times
• Contribute to TDGF's capital management activities, including Large Exposure and economic capital considerations
• Engage with TDBG management teams and forums to develop and maintain sound knowledge of counterparty credit risk management including stress testing, margin period of risk and wrong way risk, providing specialist knowledge with regard to the impact on TDGF, or European regulatory considerations where appropriate
• Support the TDGF Credit Risk Manager in the management of concentration risk in TDGF including country risk, industry risk, and counterparty group exposure in the portfolios in accordance with policy, with particular regard to local legal entity capital management and related reporting considerations such as Connected Clients and Large Exposure management
• Provide oversight, monitoring, control and challenge of outsourced credit risk activities
• Responsible for good conduct and for contributing to the identification and management of Conduct Risk within the Risk Management function

Key Responsibilities And Accountabilities

• Manage the timely and efficient flow of local credit approval requests for limits, reviews, breaches, policies and procedures
• Manage timely and accurate local credit risk reporting in line with credit policy requirements as well as ad-hoc requests when appropriate
• Develop and maintain excellent understanding of all policies relating to all products and services with inherent credit risk
• Monitor the effectiveness of risk policies and procedures, including compliance with European regulatory requirements
• Be a trusted advisor and first point of contact on legal entity credit risk queries and requirements for the European business

Skills And Experience

• Business Acumen – a strong understanding of both capital markets activities and commercial/wholesale lending, with demonstrated experience of over 7 years in credit analysis and/or credit risk management within the Financial Institution, Corporate, Sovereign, Supranational, and Agency segments
• Relationship Building – demonstrated ability to develop and maintain strong relationships with internal partners and business segments
• Expertise in European Regulation – previous experience in regulatory interactions and reviews is an advantage
• Execute with speed – ability to manage details but can filter out extraneous information and efficiently move requests through the credit decisioning process
• Attention to detail – ability to manage and monitor policy and regulatory requirements for a wide range of credit risk activities is essential
• Strategic Thinking – motivated to continuously find ways to assess risks, enhance capabilities and processes, and generally strive to do things better
• Impact and Influence – proven leadership and ability to effectively collaborate, manage stakeholders and impact and influence others
• Organisational Awareness – knowledge in how to engage within a large organisation to get things done

Who We Are
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

Additional Information
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

Deloitte is the biggest professional services Firm in the world, and making an impact is more than just what we do: it's why we're here. We're driven to create positive progress for our clients, community, people, and the planet. This sense of purpose inspires us to work to the highest standards, to tackle the challenges that matter.
D *
eloitte has been recognised as the #1 Financial Advisor for Global and Irish M&A deal activity in 2022.
Agile business advisers can help organisations thrive in today's rapidly changing marketplace. Specialising in Mergers & Acquisitions, Debt & Capital Advisory, Valuations, Transaction Services and Restructuring & Forensic Services, our
Financial Advisory*
experts offer global insights and local knowledge that combine world-class experience with breakthrough innovation and technology.
Our team provide end-to-end tailored advisory solutions that can deliver impact, unlock, and preserve value in mergers and acquisitions, restructuring, investigations, and disputes, from strategy to execution and evaluation. We support our clients to drive businesses forward, making sure they meet demands for greater transparency, changing market conditions and complex regulatory requirements.

The Opportunity:

• Working on prudential regulation projects with specific focus on the quantitative aspects of financial risk management, with specific emphasis on the development of credit risk models (IRB, IFRS9);
• Working with the wider Deloitte European and global prudential regulatory network to identify and deliver leading edge solutions;
• Developing your network in the local financial services community;
• Contributing to thought leadership on financial risk and prudential regulation topics.

About You

• Proven experience working in a financial risk role, with a strong preference for credit risk model development and validation (IRB or IFRS9 experience)
• A bachelor's degree in a quantitative or Finance discipline (2.1 or higher);
• Proven experience in alternate programming languages would be an advantage (e.g. R, SAS);
• Experience extracting and analysing data from complex data sets;
• Strong attention to detail with a curiosity to understand data;
• Ability to turn data into insights and communicate insights effectively with our clients;
• Experience in leading meetings and ability to communicate complex concepts to non-expert audiences;
• Ability to identify challenges and risks throughout an engagement;
• Must hold valid Work Rights - no sponsorship available for this role

If you believe that you meet most of the criteria above, we encourage you to apply. Deloitte is an equal opportunities employer and will ensure any reasonable accommodations are implemented as part of the recruitment and selection process.
What We Offer
Your reward at Deloitte is competitive, supports our purpose and enables our people to never stop growing. Your reward at Deloitte is not just your salary, we believe in investing in our people's personal and professional development and empowering their work-life balance. Our ambition is to achieve gender equality and enable continuous growth. We offer supports and benefits that suit you, wherever you are in life, including health and well-being, pension, savings, training, coaching and e
nhanced leave options
among others.
Keep on being you. Bring your full, absolute self to work, every day. Explore, question and collaborate. Stretch your thinking, while building a career that inspires and energises you. And, whatever motivates you, keep growing both professionally and personally – because when you make an impact that matters, we do too.

Work Location :

Dublin, Ireland

Hours:

35

Line of Business:

Risk Management

Pay Details:

We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

Department Overview:

The Credit Risk Management team contributes to the successful achievement of business and strategic objectives of TD Global Finance ("TDGF") by providing credit risk expertise and oversight, and enabling the business and corporate support functions to effectively manage their credit risk exposures to an acceptable level.

Job Accountabilities:

The TDGF Credit Risk Specialist will support the TDGF Credit Risk Manager and CRO in the management of TDGF's Credit Risk.

• Provide accurate, complete, objective assessment of all key credit risks in TDGF through the identification, understanding and control of these risks
• Responsible for local approval of TDGF credit limits and reviews (within their authority limit) in addition to the TD Bank Group credit adjudication process, including:
• Verifying that risk ratings are assigned accurately
• Playing a consultative and advisory role by sharing specialised knowledge and providing reasons/logic for own or bank decisions
• Developing and maintaining sound knowledge of specific industries, and of the related appropriate lending structures
• Keeping abreast of market and competitive forces in Europe, North America and internationally
• Initiating appropriate action on major accounts where the risk to the bank is deteriorating
• Support the TDGF Credit Risk Manager and CRO in the expansion of 2nd line Credit Risk Management activities to support strategic growth and development of TD Securities' European business
• Assist in the specification of entity-specific credit risk limits for TD Securities' European business
• Support the risk assessment process and development of the risk appetite statement for credit risk
• Support the TDGF Credit Risk Manager in verifying that global credit policies, procedures and associated models are appropriate to the operations of TDGF and TD's European strategy
• Responsible for the timeliness and accuracy of local credit risk reporting of credit exposures and credit risk management activities, providing ad-hoc bespoke reporting on specific sectors or portfolios when appropriate
• Provide analysis, interpretation and consolidation of credit risk reporting and outputs for submission to TDGF Senior Management and Committees
• Review breaches of credit risk limits, ensuring any limit exceptions are escalated and actioned appropriately
• Monitor European regulatory requirements with regard to credit risk, communicating any changes or potential compliance gaps relevant to TDGF to the TDGF Credit Risk Manager
• Support the TDGF Credit Risk Manager and CRO in regulatory engagement, queries and remediation activities
• Provide specialised knowledge on European regulatory requirements with regard to credit risk and related activities, ensuring applicable policies and procedures remain compliant at all times
• Contribute to TDGF's capital management activities, including Large Exposure and economic capital considerations
• Engage with TDBG management teams and forums to develop and maintain sound knowledge of counterparty credit risk management including stress testing, margin period of risk and wrong way risk, providing specialist knowledge with regard to the impact on TDGF, or European regulatory considerations where appropriate
• Support the TDGF Credit Risk Manager in the management of concentration risk in TDGF including country risk, industry risk, and counterparty group exposure in the portfolios in accordance with policy, with particular regard to local legal entity capital management and related reporting considerations such as Connected Clients and Large Exposure management
• Provide oversight, monitoring, control and challenge of outsourced credit risk activities
• Responsible for good conduct and for contributing to the identification and management of Conduct Risk within the Risk Management function

Key Responsibilities and Accountabilities:

• Manage the timely and efficient flow of local credit approval requests for limits, reviews, breaches, policies and procedures
• Manage timely and accurate local credit risk reporting in line with credit policy requirements as well as ad-hoc requests when appropriate
• Develop and maintain excellent understanding of all policies relating to all products and services with inherent credit risk
• Monitor the effectiveness of risk policies and procedures, including compliance with European regulatory requirements
• Be a trusted advisor and first point of contact on legal entity credit risk queries and requirements for the European business

Skills and Experience:

• Business Acumen – a strong understanding of both capital markets activities and commercial/wholesale lending, with demonstrated experience of over 7 years in credit analysis and/or credit risk management within the Financial Institution, Corporate, Sovereign, Supranational, and Agency segments
• Relationship Building – demonstrated ability to develop and maintain strong relationships with internal partners and business segments
• Expertise in European Regulation – previous experience in regulatory interactions and reviews is an advantage
• Execute with speed – ability to manage details but can filter out extraneous information and efficiently move requests through the credit decisioning process
• Attention to detail – ability to manage and monitor policy and regulatory requirements for a wide range of credit risk activities is essential
• Strategic Thinking – motivated to continuously find ways to assess risks, enhance capabilities and processes, and generally strive to do things better
• Impact and Influence – proven leadership and ability to effectively collaborate, manage stakeholders and impact and influence others
• Organisational Awareness – knowledge in how to engage within a large organisation to get things done

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

Additional Information:

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process

We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

Deloitte is the biggest professional services Firm in the world, and making an impact is more than just what we do: it's why we're here. We're driven to create positive progress for our clients, community, people, and the planet. This sense of purpose inspires us to work to the highest standards, to tackle the challenges that matter.
D *
eloitte has been recognised as the #1 Financial Advisor for Global and Irish M&A deal activity in 2022.
Agile business advisers can help organisations thrive in today's rapidly changing marketplace. Specialising in Mergers & Acquisitions, Debt & Capital Advisory, Valuations, Transaction Services and Restructuring & Forensic Services, our
Financial Advisory*
experts offer global insights and local knowledge that combine world-class experience with breakthrough innovation and technology.
Our team provide end-to-end tailored advisory solutions that can deliver impact, unlock, and preserve value in mergers and acquisitions, restructuring, investigations, and disputes, from strategy to execution and evaluation. We support our clients to drive businesses forward, making sure they meet demands for greater transparency, changing market conditions and complex regulatory requirements.

About the role:

• Leading large and complex credit risk model development projects (IRB, IFRS9) with our clients;
• Training and mentoring junior colleagues;
• Developing market propositions;
• Taking a lead role in the wider Deloitte European and global prudential regulatory network to identify and deliver leading edge solutions;
• Developing your network in the local financial services community;
• Contributing to thought leadership on financial risk and prudential regulation topics.

About you:

• Strong proven experience working in credit risk model development (IRB or IFRS9)
• Proven experience in alternate programming languages would be an advantage (e.g. R, SAS);
• Experience extracting and analysing data from complex data sets;
• Ability to turn data into insights and communicate insights effectively with our clients;
• Experience successfully delivering projects and ability to communicate complex concepts to non-expert audiences

If you believe that you meet most of the criteria above, we encourage you to apply. Deloitte is an equal opportunities employer and will ensure any reasonable accommodations are implemented as part of the recruitment and selection process.
What We Offer
Your reward at Deloitte is competitive, supports our purpose and enables our people to never stop growing. Your reward at Deloitte is not just your salary, we believe in investing in our people's personal and professional development and empowering their work-life balance. Our ambition is to achieve gender equality and enable continuous growth. We offer supports and benefits that suit you, wherever you are in life, including health and well-being, pension, savings, training, coaching and e
nhanced leave options
among others.
Keep on being you. Bring your full, absolute self to work, every day. Explore, question and collaborate. Stretch your thinking, while building a career that inspires and energises you. And, whatever motivates you, keep growing both professionally and personally – because when you make an impact that matters, we do too.

Role- Credit Risk Business SME

Dublin Ireland (Hybrid)

Contract role (6 to 12 Months)

• Working under Group Risk direction to decompose key risk indicators and reports to a data element level.
• Support the capture of high level processes and end to end lineage flow diagrams
• Engaging other SMEs and business data owners to define data quality & profiling rules
• Identify & document limitations and process controls in line with BCBS239 compliant standards
• Support business migration of datasets to authoritative data sources
• Experience using agile tooling such as JIRA and Confluence beneficial but not essential
• Experience of coding languages such as SAS, Python, R required

When you join KPMG Ireland, you are joining a community of over 4,200 employees who collectively work together, both in person and virtually, to achieve their full potential.

We are known as an organisation who want you to come as you are and do work that truly matters. Joining KPMG Ireland is an opportunity to enhance your career, not only in the work that you enjoy doing, but equally through the global connections that you make, the lifelong learning that you can accomplish and the chance to make your mark.

Are you our next:
Regulatory Associate Director
Location: Dublin
Grade: Associate Director
Contract type: Perm
Role:
Due to continued growth and opportunities to support our clients, we are currently seeking to hire a director who will join our Risk and Regulatory Consulting team in Dublin.

We are specifically interested in hearing from experienced Credit Risk professionals with strong skills in Governance, Risk and Compliance working in financial services sector or another professional services firm who have previously held leadership roles and have an interest in a Consulting role in KPMG.

We ideally need you to have the following skills / experience:

• A minimum of 8 years' experience with 1+ years at Director level, or equivalent in credit risk management
• A strong background in Retail and Corporate Credit Risk across asset classes and sectors
• A recognised qualification in relation to Risk Management and deep experience of regulatory requirements for credit risk including Capital Requirements Regulation (CRR) and EBA Loan Origination and Monitoring Guidelines.
• A broad range of knowledge and understanding on wider commercial, business and economic issues
• Proven track record in creating and deepening client relationships, identifying opportunities and creating solutions
• Experience in leading complex projects and developing teams, with high quality delivery in tight timescales
• Excellent interpersonal skills, drive, enthusiasm and commitment
• Experienced in Client-facing roles and in engaging with senior stakeholders in organisations
• A solid understanding of model development, implementation, maintenance and related frameworks

Your work will be varied. Below will be some of your core responsibilities:

• Lead engagements to deepen relationships, reputation and added value in approaches
• Understand credit risk issues and challenges and propose solutions including approaches, structures and planning with appropriate consideration of regulatory expectations. Peer comparisons risk, time and costs
• Manage a portfolio of clients and lead the delivery of high-quality consulting advice and service to those clients
• Accountable for leading large-scale Regulatory Consulting or Assurance initiatives or programmes of work in credit risk areas, at times within a multidisciplined team
• Ownership and accountability for achieving performance based targets
• Identify opportunities for innovation and assume responsibility for building the case, mobilising the team and achieving targeted outcomes
• Support future strategy and business development, including preparation of thought leadership, client proposals and materials and building technical knowledge across the team
• Drive adherence to standards supporting effective and quality delivery
• Build, develop and motivate high performing teams offering the required level of personal and professional counselling support and feedback
• Define effective ways of working and drive collaboration across empowered teams

KPMG's Risk & Regulatory Consulting Practice
Our Risk and Regulatory Consulting team are experienced in managing diverse risk and regulatory issues including credit risk, governance, operational risk, conduct risk, fraud & financial crime, regulatory compliance, data breaches, cyber-attacks, technology risk, risk modelling, capital efficiency, and many more.

In Ireland we have over 250 Risk and Regulatory specialists who are supported by our wider global network to ensure multinational capability. Our team include accountants, technologists, data scientists, and risk and compliance specialists.

Career Progression with Continuous Support
From the moment you join KPMG, you'll receive dedicated support from your performance manager to enhance your skills. Our award-winning Business School provides continuous learning opportunities to deepen your expertise.

We stand out as the only Big Four firm to announce promotions four times a year, offering you frequent opportunities for career advancement.

Commitment to Inclusion & Diversity
Inclusion, diversity, and equity are at the heart of KPMG. We celebrate diverse backgrounds, experiences, and perspectives, and we're committed to fostering an inclusive and equitable environment at every level. Our goal is to attract and retain the best talent by building a culture where everyone can achieve their potential. Learn more about our commitment here -

Ready to Join Us?
If you meet most of the criteria, we encourage you to apply by submitting your CV. KPMG is an equal opportunities employer, welcoming applications from people of all backgrounds. We are happy to provide reasonable accommodations during the recruitment process if needed.Necessary arrangements can be made at interview stage to accommodate the needs of candidates with disabilities.

For any specific queries about the role, please contact Michelle Breen

For a glimpse into life at KPMG, follow #ExperienceKPMG on LinkedIn, Instagram, TikTok, and X.

Please note that agency assistance is not required for this position.
By clicking apply to this role your application will not only be considered for this position, but your details will be stored on our database and may be considered for similar future positions that may arise. This means that the personal data contained in your application and provided to KPMG as part of the application process may be retained by us for up to 18 months from the date of your application and you hereby agree to that. If you do not wish your details to be stored on our recruitment database, please email stating this and we will ensure that such information is not stored other than for the purposes of this application.

The Opportunity

Due to continued growth, we are seeking a
Regulatory Credit Risk Director
to join our risk
team in Dublin. We are particularly interested in experienced
Credit Risk professionals
with a strong background in
Governance, Risk, and Compliance
within the financial services sector. This role is ideal for someone who has held senior leadership positions and is looking to apply their expertise in a dynamic environment. Consulting experience would be beneficial

What We're Looking For

• Minimum of
  8 years' experience
  in credit risk management.
• Strong background in
  Retail and Corporate Credit Risk
  across asset classes and sectors.
• Recognised qualification in
  Risk Management
  , with in-depth knowledge of
  regulatory frameworks
  such as the
  Capital Requirements Regulation (CRR)
  and
  EBA Loan Origination and Monitoring Guidelines
  .
• Broad commercial, business, and economic insight.

Key Responsibilities

• Provide expert insight into
  credit risk challenges
  , developing effective solutions aligned with
  regulatory expectations
  .
• Manage a portfolio of clients, ensuring consistent
  service excellence
  and
  strategic relationship growth
  .
• Oversee large-scale
  Regulatory or Assurance initiatives
  , often within multidisciplinary teams.
• Drive
  innovation
  , identify new business opportunities, and lead initiatives to achieve targeted outcomes.

If this role is of interest to you, get in touch with Therese Cadell for a confidential conversation.

At Gilead, we're creating a healthier world for all people. For more than 35 years, we've tackled diseases such as HIV, viral hepatitis, COVID-19 and cancer – working relentlessly to develop therapies that help improve lives and to ensure access to these therapies across the globe. We continue to fight against the world's biggest health challenges, and our mission requires collaboration, determination and a relentless drive to make a difference.

Every member of Gilead's team plays a critical role in the discovery and development of life-changing scientific innovations. Our employees are our greatest asset as we work to achieve our bold ambitions, and we're looking for the next wave of passionate and ambitious people ready to make a direct impact.

We believe every employee deserves a great leader. People Leaders are the cornerstone to the employee experience at Gilead and Kite. As a people leader now or in the future, you are the key driver in evolving our culture and creating an environment where every employee feels included, developed and empowered to fulfil their aspirations. Join Gilead and help create possible, together.

Job Description
Key Responsibilities
Conduct detailed credit risk assessments for new and existing customers, providing clear recommendations to stakeholders.

Monitor customer creditworthiness, set and review credit limits and payment terms in line with internal credit policies.

Analyse audited financial statements and sales forecasts to support credit decisions.

Collaborate with Commercial, Controllership and Treasury teams to strengthen customer relationships and support strategic objectives.

Execute and monitor the Credit Block Release process across in-scope markets, ensuring compliance with internal controls and service level expectations.

Support the Credit & Collections function, promoting best practices, continuous improvement, and providing buddy cover as needed.

Skills & Competencies
Commercially focused with strong analytical skills and the ability to make sound, evidence-based decisions independently.

Excellent communication skills—verbal, written, and interpersonal—for effective cross-functional collaboration and stakeholder engagement.

Highly organized, detail-oriented, and self-motivated, with strong prioritization and workload management abilities.

Strong relationship management skills and a proven commitment to delivering the highest service standards.

Proficiency in financial reporting systems or the ability to quickly develop this expertise.

Familiarity with AI and process mining tools (e.g., Celonis) to support system and process improvements.

Basic understanding of how to use data insights to identify inefficiencies and suggest automation opportunities.

Exposure to ERP systems such as SAP, with a willingness to learn and apply analytical tools in these environments.

Preferred Experience
Qualified or Part-Qualified Accountant (ACA, ACCA, CIMA or equivalent – including those currently undertaking exams), or 5+ years' experience in credit risk management.

Strong ability to interpret financial statements and forecasts.

Experience working in a multinational environment; experience in biotech or pharmaceuticals is a plus.

Equal Employment Opportunity (EEO)

It is the policy of Gilead Sciences, Inc. and its subsidiaries and affiliates (collectively "Gilead" or the "Company") to recruit select and employ the most qualified persons available for positions throughout the Company. Except if otherwise provided by applicable law, all employment actions relating to issues such as compensation, benefits, transfers, layoffs, returns from layoffs, company-sponsored training, education assistance, social and recreational programs are administered on a non-discriminatory basis (i.e. without regard to protected characteristics or prohibited grounds, which may include an individual's gender, race, color, national origin, ancestry, religion, creed, physical or mental disability, marital status, sexual orientation, medical condition, veteran status, and age, unless such protection is prohibited by federal, state, municipal, provincial, local or other applicable laws). Gilead also prohibits discrimination based on any other characteristics protected by applicable laws.

For Current Gilead Employees And Contractors
Please apply via the Internal Career Opportunities portal in Workday.