1st line Credit and Pricing Officer

Company Description

• As a leading provider of online financial services, Swissquote Group offers innovative solutions and comprehensive services to meet the wide-ranging demands of its global clients
• With an Online Trading Platform linked to more than 60 stock markets in over 40 countries, including off-exchange trading in derivative products, Swissquote offers simple, rapid, online trading in shares, bonds, funds, options, futures, warrants, ETFs, Structured Products, forex and cryptocurrencies
• Swissquote Group is listed on the SIX Swiss Exchange (symbol: SQN) and employs 1,350 professionals at its headquarters in Gland (Switzerland) and offices in Zurich, Bern, Dubai, Hong Kong, London, Luxembourg, Malta and Singapore

• The role supports first-line commercial teams in all processes and decisions related to credit granting and pricing. The main responsibilities are to:
• Lead credit assessment and analysis for loans outside automated approval systems, ensuring alignment with the Bank's risk appetite and regulatory compliance
• Perform detailed financial and industry analyses, collaborating with commercial teams to gather comprehensive information for lending decisions
• Coordinate with Risk, Finance, Treasury, and Legal functions to assess credit risk, financial impact, and contractual terms of loans
• Establish and maintain a comprehensive pricing overview for the Bank’s client portfolio
• Support internal and external audit processes related to credit risk management, loan granting, and pricing
• Establish and maintain robust first-line credit procedures and control framework
• Manage pricing and profitability analyses at portfolio and client levels, supporting Sales teams on complex pricing decisions
• Monitor capital consumption and propose optimisation measures where appropriate
• Support the development and review of credit lending policies and procedures
• Prepare and lead Credit Approval Committee meetings, ensuring ongoing regulatory compliance
• Generate credit-related reports for management, regulators, and internal committees
• Conduct training sessions to enhance loan and product knowledge across the Bank

• University Degree in business, economics, finance or related field, with 5+ years of banking experience in Luxembourg
• Demonstrated expertise in credit management and pricing
• Knowledge of regulatory requirements (CRR/CRD, EBA/GL/2020/06, CSSF circulars)
• Understanding of capital consumption and pricing aspects
• Proficiency in MS Office package
• Excellent written and verbal communication skills in English;
  French is an asset
• Strong analytical, problem-solving, and decision-making capabilities
• Ability to work under pressure, manage multiple priorities, and collaborate across teams
• Excellent attention to detail and accuracy