Credit Analyst

**Build the future of financial markets. Build yours.**:
Ready to make a real impact in the financial industry? At Deutsche Börse Group, we'll empower you to grow your career in a supportive and inclusive environment. With our unique business model, driven by 15,000 colleagues around the globe, we actively shape the future of financial markets. Join our One Global Team

**Want to learn more?**

**Who we are**:
Deutsche Börse Group is one of the world’s leading exchange organisations and an innovative market infrastructure provider. With our products and services, we ensure that capital markets are fair, transparent, reliable, and stable. Together, we develop state-of-the-art IT solutions and offer our IT systems all over the world.

Within the Deutsche Börse Group, Clearstream is an international central securities depository (ICSD). It provides post-trade infrastructure and securities services for the international market and 59 domestic markets worldwide, with customers in 110 countries.

Luxembourg, Prague

**Your career at Deutsche Börse Group**:
**Your area of work**:
Group Credit Management's overriding objective is to ensure that business activities are conducted within a prudent credit risk framework that is consistent with the bank’s credit appetite and in compliance with regulatory and supervisory requirements. In this function, you will be responsible for assessing the general creditworthiness of counterparts and collateral issuers (financial institutions, corporates, sovereigns) operating in a variety of mature and growth countries, provide credit recommendations to management and respond promptly to demands for credit information and advice from the business areas, as well as analyzing customers’ credit needs targeting maximum settlement efficiency while ensuring that the level of credit risk accepted by Clearstream is in accordance with the bank’s credit policies, underwriting standards and regulatory requirements.

**Your responsibilities**:

- Conduct credit research and market intelligence in order to acquire sufficient knowledge of the counterparts under your responsibility
- Assess customer’s credit needs based on historical data and available collateral
- Prepare annual credit reviews for counterparts and ad-hoc credit assessment
- Recommend acceptance of new clients and credit limits
- Evaluate the criteria taken into account for collateral eligibility and search for improvements in the criteria used and the quality of data
- Contribute to the review, upgrade and development of credit policies, procedures and guidelines
- Work on the maintenance, design, testing and implementation of new and existing credit tools
- Review and assess the impact on the credit business of new regulations and guidelines issued by relevant authorities
- Participate in credit projects and ad-hoc requests

**Your profile**:

- University degree in Business, Accountancy or Banking & Finance & Economics related fields
- 2-3 years of relevant experience
- Strong analytical skills supported by prior experience in credit analysis of banks and other financial institutions
- Sound knowledge of different financial instruments
- Ability to work independently and as a part of a team in an international environment; ability to work under pressure and handle multiple tasks
- Credibility and drive to present senior management with robust and accurate credit recommendations
- Highly motivated and willing to assume additional assignments
- Excellent command of English. Knowledge of any other language is an advantage
- Excellent communication skills and the ability to operate across a number of functions and business areas

**Why Deutsche Börse Group?**:
**Mobility**:
We enable you to move freely with our job tickets, job (e-)bikes and free parking opportunities.

**Work environment**:
Collaboration, communication, or deep focus - in our modern office buildings you will find the perfect work environment. Free drinks and food and meal allowances included.

**Health and wellbeing**:
We care for your health and wellbeing and besides various health promotion measures we offer you a group accident insurance and additional insurance offers at discounted rates.

**Financial stability**:
We provide financial stability by offering attractive salaries, company pension schemes, participation in our Group Share Plan, as well as bonuses, subsidies and discounts.

**Hybrid work**:
Collaborate and exchange on-site or work remotely several days a week in line with business needs and local regulations. Our hybrid working model combines the best of both worlds.

**Flexible working hours**:
We want your job to fit your life situation and offer flexible working time models, childcare allowance, or the possibility to study alongside your job.

**Internationality**:
Our market infrastructures are globally connected. Working with us means collaborating with like-minded colleagues across over 60 locations from more than 100 nations.

**Development*