Become part of Lloyds Bank GmbH!
We are a team of 50 different nationalities where colleagues and customers come first. Do you want to be part of our great team? Apply today!
> Apply now
Your tasks
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.
- 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.
- 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.
- Provide business and market intelligence to inform risk decisions.
- Assessing changes on portfolio and strategy regarding credit risk.
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.
Your knowledge/experience
- 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
Flexible remote work
Employee savings benefits
BVG company ticket
Corporate Benefits
Various health and wellness benefits
Work from other EU countries for up to 30 days per year
5 days of paid child care leave
Employee Assistance Programme
Trainings budget
Different part-time work options
Lease a bike
Company pension plan
We are DIVERSE
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.
> Apply now
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
- 90% agree that we promote a positive work-life balance
The opinions of our colleagues are close to our hearts. Only when we feel comfortable in our workplace can we achieve the best.
For this reason, we conduct an annual survey that reflects the opinions of all our colleagues.
