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Vanguard Group, Inc.

Credit Risk Lead

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What they do

A Risk Consultant helps clients to evaluate risk and recommends strategies to mitigate or offset risks that could result in financial losses for a company or organization. May analyze risk in investments, business operations or technology systems at a company. May provide risk management consulting for life insurance, health insurance or other types of insurance companies.

$78,119 / year median in Pennsylvania

-2% projected decline

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Job Description

Sign in with Google Use your Google account to sign into efinancialcareers. Sign in with Google Sign in with Google. Opens in new tab Credit Risk Lead Vanguard Group, Inc. Malvern, United States Apply now Save Posted 19 hours ago Permanent Competitive Credit Risk Lead Vanguard Group, Inc. Malvern, United States Apply now Save Credit Risk Lead Situated within the Global Risk & Security Division, the Counterparty Risk Management Team conducts credit reviews, risk assessments, and ongoing monitoring for Vanguard's global counterparties. The Credit Risk Analyst role will primarily focus on expanding coverage of securities lending and banking relationships for the Personal Wealth (P W) Division, supporting key enterprise priorities. This role is designed for a strong credit analyst who can pair rigorous financial statement analysis with clear, executive-ready stakeholder communication. The role covers counterparties across Vanguard's Personal Wealth Division, along with coverage of trading counterparties and brokers for the Investment Management Group ( IMG ) . For appro ved t rading counterpart ies, the tea m performs analysis and monitoring to ensure risk exposure is appropriate based on each counterparty's creditworthiness, collaborates with stakeholders to manage risk exposures, and ensures Vang uard's compliance with SEC Derivatives and Liquidity Rules. This is a unique opportunity to innovate and meet the needs of new stakeholders, while contributing to a mature risk framework. This role is an excellent opportunity to impact portfolio risk outcomes and gain meaningful visibility with senior leadership, while building broad relationships and growing your career across Vanguard's investment and risk organizations. Core Responsibilities Perform credit due diligence of financial statements, regulatory filings, credit disclosures, news sources, and market indicators to assess counterparty strength and downside risk. Analyze key credit metrics, including leverage, liquidity, coverage, profitability, capitalization, and cash flow quality. Continuously monitor rating agency actions, earnings updates, market events, breaking news, and spread movements to detect early signs of deterioration; evaluate risk implications of mergers, acquisitions, and other corporate actions. Stay current on market structure, credit cycles, and relevant investment themes to inform risk views; use data analysis to identify trends, outliers, and emerging risk signals. Build Conduct scenario and stress analysis to evaluate counterparty resilience and downside risk under adverse market, credit, and liquidity conditions. Develop a deep understanding of PW and IMG b usiness es . Keeps abreast of current issues in business operations and incorporates changing business needs into risk analysis. Build consulting-style presentations and lead stakeholder readouts that translate complex credit findings into clear business implications and actionable recommendations. Manage relationships with stakeholders with
PW , IMG
, legal, compliance, and finance organizations. Acts as a liaison and subject matter expert on risk topics , and i nfluence decisions through evidence-based communication of risk insights. Assesses risk s associated with new products and supports new implementations. P r o duce timely updates for leadership, assessing impa ct of any cred it health chan ges. Partner with technology teams to enhance reporting, data quality, workflows, and controls. Participate in special projects and perform other duties as assigned. Required Qualifications Minimum of five years related work experience, including three years of related c redit analysis, credit research, financial statement analysis, or counterparty risk e xperi ence . Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred. Progress towards professional certification (CFA, FRM , CPA ) or continued development of investment and cred it risk acumen preferred. Strong command of corporate financial statement analysis and credit ratio interpretation. Advanced Microsoft Office skills, proficiency in Bloomberg, and analytical or programming tools such as Python. Exposure and g enuin e inter est in leveraging AI tools . Key Skills Financial statement and ratio analysis Exc ellent written and verbal communication ; a bility to adapt communication for technical and non-technical audiences. Relationship management, influence, and persuasion skills. A strong risk mindset and ability to communicate exposures clearly to stakeholders Self-starter mindset with strong ownership and follow-through Statistical knowledge, data analytics and story telling skills High integrity, sound judgment, and discretion handling confidential information Team-first flexibility and willingness to support tasks of all types Proven ability to prioritize in a dynamic environment Special Factors Sponsorship Vanguard is not offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience. Job
ID 181148
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