Retail Credit Risk Manager (m/f/d

Jelentkezés a cégnél

Cég neve

Lloyds Bank – Bank of Scotland
Munkavégzés helye

Hibrid • Berlin

Munkaidő, foglalkoztatás jellege
- Teljes munkaidő
- Általános munkarend
Elvárások
- Angol felsőfok
- 1-3 év tapasztalat
- Egyetem

Állás elmentve

A hirdetést eltávolítottuk a mentett állásai közül.

Responsibilities

Portfolio Management & Monitoring

Steer retail credit risk within the GmbH by assessing product changes from a credit risk perspective.
Oversee retail credit portfolio performance and risk appetite adherence.
Support stress testing and business planning activities.

Policy & Compliance

Ensure compliance with credit policies and regulatory requirements.
Develop training for relevant departments within GmbH.
Perform control testing, develop, optimise and maintain the Internal Control System.
Support internal and external audits.

Risk Controls & Frameworks

Responsible for the development of quality standards and oversight frameworks.
Develop and implement data-driven controls, including forbearance and Definition of Default monitoring.
Advise on Early Warning Indicator (EWI) and develop, optimise and maintain Watchlist frameworks.
Supervise property valuation processes.

Process & Governance

Develop, optimise and maintain credit risk policies incl. affordability rule setting and credit authority delegations.
Design and optimize credit processes.
Own credit risk-related committees and ensure effective governance.
Manage risk-relevant underwriting and Credit Policy Exceptions (CPE).
Drive regulatory change management initiatives

Strategic Insight

Provide business and market intelligence to inform risk decisions.
Assessing changes on portfolio and strategy regarding credit risk .

Requirements

Master's degree in a relevant subject (business economics, engineering, statistics, econometrics, applied mathematics, or similar)
Experience with portfolio monitoring, risk appetite management and stress testing
Several years of experience working in 2nd line financial risk functions within the financial sector, including several years in an EU (preferably ECB supervised) bank
Experience across all stages of the customer lifecycle for mortgage and personal loan products (origination, loan servicing, early arrears, intensified – and problem loan management)
Proper understanding and knowledge of regulatory frameworks (e.g. MaRisk, EBA GLOM, DoD, Forbearance)
Ability to communicate technical information effectively to non-technical stakeholders, including senior management and regulators
Familiarity with EWI frameworks, watchlist processes, and property valuation concepts
Proficiency in data-driven risk monitoring and reporting
Fluency in written and spoken English and German

What we offer

An international team with colleagues from more than 50 different countries
Social benefits such as a company pension scheme and capital formation contributions
30 days holiday as well as 24 and 31 December as non-working days
Employee Assistance Programme – personal 24/7 helpline for all employees
Various possibilities for flexible working, i.a. various part-time models, flexitime
Extensive, very flexible home office arrangements
Possibility to work from other EU countries for up to 30 days per year
Additional benefits such as sports activities, free fruit, nuts and drinks
Employer contributions to BVG job ticket and a Lease a bike programme
An informal corporate culture - without dress code and ‘Sie'.
An excellent learning culture and opportunity to improve your professional competencies
Easily accessible city centre offices, in the vicinity of many shops and restaurants to which you receive a discount

Company info

Lloyds Bank GmbH and its brands Bank of Scotland and Lloyds Bank have won over 1 million satisfied customers in recent years. And this thanks to convincing products and, above all, our committed colleagues who want to achieve the best for our customers every day with new ideas, challenges and joy. In order to continue writing our success story, we are looking for the right reinforcement for our teams, because all our ambitious goals would be unattainable without teamwork. We also welcome career changers.

For our office in Berlin Mitte we are looking for a

Retail Credit Risk Manager (m/f/d)