Head of ACC DACH (f/m/d)

Key responsibilities (Day to day): Overall responsibility for Credit, Collections & Recovery, Financial Economic Crime, Fraud Prevention and Field Audit, ensuring effective first line risk management Driving alignment with the company's risk appetite and contributing to credit decisioning through active participation in governance forums Leading complex credit decisions within assigned authority and defining strategies for distressed portfolios Owning the consistent application of regulatory requirements and high-quality execution of CDD and Financial Economic Crime activities Driving continuous improvement of risk frameworks, processes and controls in close collaboration with Regional Risk Acting as a key interface between risk and commercial teams, balancing business growth with disciplined risk management Leading and developing the management team while fostering a strong and consistent risk culture across the organization Measures (Impact of the role): Delivering fraud and credit risk costs within Through the Cycle targets and maintaining a healthy portfolio quality Driving excellence in Financial Economic Crime and CDD performance with strong quality and timeliness Ensuring high-quality decision-making in line with risk appetite and commercial priorities Maintaining a strong control environment aligned with governance, policies and authorisation frameworks Building and sustaining required capabilities in line with the risk curriculum Driving effective workforce planning and strong employee engagement

More than 10 years of experience in risk management combined with leadership responsibility and strong credit authority Broad experience across leasing products with a solid understanding of wholesale banking environments Proven leadership capabilities with the ability to build, develop and lead high-performing teams Strong stakeholder management skills with the ability to influence across functions and operate effectively in a matrix organization Strategic mindset combined with a strong understanding of risk and return dynamics High level of collaboration and the ability to build trusted relationships with customers, partners and internal stakeholders Strong analytical and decision-making capabilities combined with a structured approach Solid understanding of the local market and relevant industry trends

Two working days per year volunteering for a local charity. Health and Wellness program including healthy food, free health checks, fun health & vitality activities. flexible hours with possibility work from home Career development opportunities: online learning, member development program Check this link to overview of all benefits in your region. “We lead the way in meeting the need for flexibility and transparency which our customers increasingly expect. ” Choose wellbeing: DLL's wellbeing ambitious is to educate, equip and empower members to build connections, manage their mental, emotional, physical and financial wellness and maintain balance between work and the other priorities that make up their lives. Our four wellbeing categories are as follows: Connection – Build meaningful connections with other DLL members Health – Manage mental, emotional and physical health Finance – Provide learning opportunities to help members achieve personal financial health Lifestyle – Maintain balance between work and life priorities These are the things that matter to our members, and the wellbeing of our members matters to DLL