Profile
Raphael Puhr
Director-level risk professional — liquidity, credit & climate analytics. Founder & editor of Swisstocks.
Born 1979, with more than fifteen years across Swiss banking and asset management: portfolio management at UBS Global AM, purchased-debt analytics at Intrum, and a seven-year run at Credit Suisse / UBS in enterprise risk, liquidity stress testing, controlling and net-zero climate analytics — most recently on a Risk Consultant mandate for Migros Bank.
Career
- Oct 2024 — May 2026ZurichRisk ConsultantSwisstocks SA (client mandate: Migros Bank)
- Developed and enhanced counterparty and credit-risk frameworks, including single credit-exposure limits and global counterparty exposure methodologies.
- Identified and remediated audit findings on model validation and operational-risk controls.
- Provided governance and operational-risk expertise on sanctions, AML, fraud prevention and ESG risks.
- Delivered a roadmap and prototype for global counterparty risk management; validated three valuation models.
- Sep 2022 — Aug 2024ZurichDirector — Senior Controller, Liquidity Management, NII & SteeringUBS AG / Credit Suisse AG
- Built tooling to streamline liquidity reporting and free the team to focus on business escalation.
- Ran monitoring meetings on liquidity movements; produced daily reports and crisis-reporting deliverables.
- Owned monthly and ad-hoc customer-classification reviews and special deposit-campaign governance.
- Forecasted divisional liquidity positions; supervised and trained junior staff.
- Apr 2023 — Mar 2024ZurichNet-Zero Specialist — Climate AnalyticsCredit Suisse Services Ltd. (secondment)
- Owned Net-Zero methodology, documentation and production for Aviation, Automotive and Shipping financed-emissions portfolios.
- Reported flood risks across the Real-Estate portfolio; contributed to methodology reviews for Real Estate and Agriculture.
- Aligned Net-Zero exposures during the UBS integration under strict confidentiality protocols.
- Prototyped embedding the carbon footprint of lending into capital planning.
- Jun 2017 — Aug 2022ZurichVice President — Strategic Risk Manager, Stress TestingCredit Suisse Services Ltd.
- Acted as PMO for the stress-testing stream of the bank's Strategic Liquidity Initiative.
- Contributed to the design of a new forward-looking stress-testing tool and its documentation.
- Jan 2014 — May 2017ZugAnalyst — Purchased Debt RevaluationIntrum Justitia Debt Finance AG
- Prepared the Auditor's Report and Purchased-Debt revaluation KPIs.
- Reviewed PD portfolios for investment opportunities.
- Held revaluation responsibility for up to 13 countries across two regions.
- Jul 2011 — Dec 2013ZurichPortfolio Manager — Client Portfolio ManagementUBS AG — Global Asset Management
- Managed client portfolios and produced tailored client reporting for institutional mandates.
- Aug 2010 — Feb 2011GenevaJunior Risk Officer (fixed-term)FicoConseils SàRL
- Supported risk assessments for wealth-management clients.
- May 2009 — Apr 2010VeveyJunior Analyst — SRI (Socially Responsible Investment)Coninco Wealth Management SA
- Analysed sustainable-investment strategies and issuer ESG profiles.
- 2008 — 2008LausanneAssignment — Banking OperationsBanque Cantonale Vaudoise (BCV)
- Short-term assignment in the retail bank.
- 2007 — 2008TokyoResearch AssistantHitotsubashi University — Institute of Economic Research
- Research work during graduate exchange at Hitotsubashi University.
Extract — UBS AG, 2024
"Extremely motivated, reliable and interested […], precise, efficient, conscientious, independent — tackled complex problems in a very effective and creative way."
— From Raphael's UBS reference, 31 August 2024.
Focus areas
Stress testing, monitoring, forecasting, crisis reporting.
Exposure limits, methodologies, model validation.
Financed emissions, sector trajectories, flood-risk reporting.
AML, sanctions, fraud, ESG, four-eyes review.
Automation of monthly / crisis reporting deliverables.
Swiss unlisted small & mid caps — energy sector focus.