Lloyds Bank – Bank of Scotland | Germany | 10xxx Berlin | Permanent position | Part time - flexible / Full time / Home office | Published since: 27.01.2026 on stepstone.de
Retail Credit Risk Manager (m/f/d
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 encouragement for our teams, because all our ambitious goals would be unattainable without teamwork. We welcome career changers. For our office in Berlin Mitte we are looking for a Retail Credit Risk Manager (m/f/d)
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Your tasks • Your profile • What we offer
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.
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 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
Strategic Insight Provide business and market intelligence to inform risk decisions. Assessing changes on portfolio and strategy regarding credit risk.
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 ( ECB superviseddd) 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 regulatorys Familiarity with EWI frameworks, watchlist processes, and property assessment concepts Proficiency in data-driven risk monitoring and reporting Fluency in written and spoken English and German
An international team with colleagues from more than 50 different countries Social benefits search 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 Programs – 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 activities sports, 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
Location
 | Lloyds Bank – Bank of Scotland | |
| 10178 Berlin | ||
| Germany |
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