Description
Join the financial revolution!
Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us!
Your Role
- Lead and develop enterprise risk management for the consumer finance business on a group-wide level;
- Lead the development and implementation of the company’s enterprise risk strategy and risk management framework;
- Establish processes for risk identification, risk analysis, risk evaluation and risk treatment;
- Institutionalize a risk management process for all core risk classes of the company (strategic risk, market risk, liquidity risk, credit risk, operational risk, regulatory risk) involving risk appetite setting, risk capacity estimation and risk inventorization;
- Define KPIs and measurements for all risk classes and present in regular risk reportings to the group’s executives, to the board and to regulators;
- Perform regular stress-testing;
- Define risk limits and oversights for functions of the first line of defense;
- Institutionalize the second line of defense as defined in the group governance framework in close collaboration with other second line of defense functions (Security, Legal & Compliance);
- Chair the Group Risk & Compliance Committee and work closely with the Board Risk & Compliance Committee with a direct reporting line to the CEO;
- Cultivate a risk culture across all areas of the company and embed risk management in the company’s DNA, while understanding that introduction of risk management to a young company is an evolutionary process;
- You are expected to represent and contribute to our Company’s Values of Data-driven Ownership, Efficiency, Innovation and foremost: One Team.
Your Strengths
- 10+ years of work experience in enterprise risk management at a bank / consumer finance business; at least 5 years in a leadership role;
- University degree in Business/ Finance/ Economics, Controlling, Statistics / Mathematics / Financial Engineering or Engineering;
- Proven track-record of establishing enterprise risk management processes in financial institutions in line with the Basel II / Basel III;
- Strong operational experience in management of a broad risk spectrum: market risk / liquidity risk (esp. liquidity forecasting, VAR-analysis, IRRBB), credit risk (esp. pd / lgd modeling, portfolio credit risk, fraud), operational risk (esp. conduct, reputational, IT / security) and regulatory risk (compliance risk);
- Strong experience with stress-testing (eg. portfolio sensitivity analysis) and solvency-testing (eg. as part of ICAAP or ILAAP);
- Experience in working across multiple jurisdictions and regulatory environments, experience with BaFin or FCA a strong plus;
- Knowledge of ISO 31000 a strong plus;
- High degree of conscientiousness and precision, high affinity for structure and process;
- Strong mathematical grounding with advanced statistical know-how;
- Good understanding of risk management tools and analytics and strong command of Microsoft Excel; project management experience for IT / BI implementation of Treasury projects; knowledge of SQL would be a strong plus;
- Excellent communication, negotiation & presentation skills;
- Fluent English and ideally German language skills;
- Desire to work with an international team of professionals who are passionate about their work and projects.
How to apply
We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link.
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