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You will be the business analysis lead for credit‑risk change and BAU improvements across the German Residential Mortgages portfolio. Partnering with Product, Underwriting, Collections & Recoveries, Data/IT, Finance and Compliance, you’ll translate regulatory and risk‑management requirements into clear epics, features, and user stories, then support delivery to ensure safe, compliant and data‑driven mortgage operations end‑to‑end. You have a strong knowledge of Mortgage back-office processes and regulatory requirements, especially in relation to intensified and problem loan management.
Your tasks
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Requirements, design & delivery (mortgage credit risk change)
- Elicit, challenge and document business and data requirements for the Intensified and Problem loan management phase of the customer lifecycle (post‑origination monitoring, arrears/forbearance, default, workout and recoveries) and convert them into implementable user stories and acceptance criteria.
- Act as the functional SME so that processes and systems are fit for purpose and consistent with Definition of Default (DoD), IFRS 9 impairment/staging, and forbearance reporting requirements.
- Analyse processes and MI to surface control or outcome gaps; make pragmatic design recommendations and support UAT and go‑lives.
- Regulatory alignment (German mortgages)
- Embed MaRisk/KWG loan monitoring and workout expectations in processes and MI, including the ongoing income‑information disclosure/monitoring process and corresponding controls for higher‑exposure customers.
- Partner with Collections & Recoveries to maintain early‑intervention timelines and arrears/forbearance policy‑to‑process clarity (e.g., interaction with external partners, expense‑plausibility checks, case‑control evidence), aligned to DoD and conduct expectations.
- Support implementation of DoD into the Banks processes and IT systems and support the design of controls to ensure a timely and accurate flagging of defaulted customers and support the monitoring of the portfolio.
- Data, models & IRB/CRR3 readiness
- Work with risk modelling and data teams on data sufficiency, lineage and documentation to support IRB readiness for the DE mortgage book under CRR 3 translating these needs into practical change items and MI.
- Contribute to IFRS 9 and stress‑testing MI needs (staging, ECL drivers, overlays/management judgment) to keep BAU reporting consistent and explainable
- Stakeholdering & governance
- Build and maintain effective relationships with Product, Underwriting, C&R, IT/Data, Finance, Legal/Compliance; facilitate workshops, document decisions, and maintain traceability.
- Prepare content for forums, maintain evidence packs for Internal Audit or Supervisory reviews, and close actions on time with high‑quality artefacts.
- Delivery
- Clear, complete requirements & traceability for German mortgage risk change items; passed UAT with robust acceptance evidence.
- Operationalised regulatory expectations (income‑information monitoring; arrears/forbearance/DoD controls) with measurable, reportable compliance.
- Credible, consumable MI for risk decisioning (IFRS 9, DoD, early warnings), with validated data definitions and lineage.
- Positive assurance during internal/external reviews based on complete change artefacts and evidence packs.
Your knowledge/experience
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Master’s degree (or equivalent) in a quantitative, business or IT discipline; relevant BA or risk qualifications an advantage
- Good knowledge of credit risk-related regulatory requirements
- Good knowledge of information analysis and interpretation (Excel, SAS, SQL, R or PYTHON)
- Comfortable working with common change collaboration tools (e.g., Jira/Confluence/Visio) for backlogs, documentation, and traceability
- Fluent written and spoken German and English
- Exposure to MaRisk/KWG (esp. BTO 1.2, AT 4.x) implementation in retail lending, e.g., ongoing income information processes; ability to convert these expectations into automated controls and MI
- Familiarity with arrears & forbearance policy/process build‑out and early‑intervention SLAs (and practical interactions with outsourced partners/case‑management tooling).
- Comfortable working with common change collaboration tools (e.g., Jira/Confluence/Visio) for backlogs, documentation, and traceability
- Previous professional experience in a comparable position in the financial sector
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Inclusion and diversity are important to us. We value and respect the differences of our individual employees and want everyone to be able to develop their professional potential. Diversity among employees and a culture of equality ensure an inclusive working environment at Lloyds Bank GmbH.
Employees with 50 different nationalities, personal backgrounds, lifestyles, ages, physical limitations, interests and perspectives make for a unique and diverse culture.
We look forward to receiving your complete application (max. 3 MB) with cover letter, CV and references. Your personal data will of course be treated confidentially. You can find the data protection declaration for applicants here.
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What our colleagues said in the employee survey 2022
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95% feel like a full member of the team
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97% find equality to be self-evident, regardless of age, gender and sexual orientation
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94% appreciated the culture of trust of our managers
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