This role is within the Risk Management & Controlling department of Lloyds Bank GmbH based in Berlin.

Reporting to the Lead Risk Partner, you will be responsible for managing Capital and credit risk within risk appetite and in accordance with the Group Risk Management Framework and Group Policies for our German as well as Dutch market. The role focuses on the calculation of the risk bearing capacity including the economic and normative perspective of ICAAP and supporting the Regulatory Reporting team on capital related reporting. Furthermore, you will be the sparring partner in the team and support the development of more junior team members.

Additionally, this role supports strategic projects through detailed analysis and testing, working with other teams on initiatives that benefit the customer experience. All in close cooperation with colleagues in the team, as well as partnering with business functions, such as Finance, Treasury and Operations.


Your tasks:

  • Ensure a reliable infrastructure, including models, data, control environment and compliance with internal policies and external regulatory requirements
  • Manage the ICAAP and capital management process, including reporting to various senior stakeholders
  • Support the SREP cycle of the Bank and ensure approaches used within the Bank are in line with regulatory requirements
  • Build and manage effective relationships with colleagues in the wider Risk team and across partnering business functions (such as Operations, Finance, Customer Analytics and Risk Infrastructure) 
  • Generate key management information, interpret complex data using statistical techniques and provide insights to support business decisions
  • Translate insights into actionable recommendations for senior management and stakeholders, communicate and drive through their delivery
  • Accountable for impairment and capital (actuals and forecasting), as well as the governance required for each process
  • Draft timely, accurate and insightful management information and liaise with the Regulatory Reporting team regarding FinRep, CoRep and CRR attestations in relation to credit risk
  • Support and review of impairment process and calculations.

Your knowledge/experience:

  • Qualified to degree level or equivalent in a highly analytical and numerate discipline, such as business economics,  econometrics mathematics, or similar
  • At least 5 years of professional experience in a financial risk management function in banking, with specific focus on ICAAP and credit risk oversight
  • Basel regulation and IFRS 9 knowledge, specifically on credit risk for retail and SME customers
  • Good understanding of more sophisticated credit risk techniques and the ability to apply these independently
  • Broad knowledge of credit risk lifecycle
  • Advanced analytical and problem-solving skills
  • Good MS Office skills, SAS and/or SQL are a big plus
  • Excellent communication skills (English required, German would be a big plus)

We offer:

  • An international team with colleagues from more than 25 different countries
  • Flat hierarchies and direct work with decision makers
  • An excellent learning culture and opportunity to improve your professional competencies
  • Different possibilities to flexibly organise your working hours
  • Social benefits such as a company pension scheme, life insurance and capital formation contributions
  • Additional benefits such as 30 days holiday, fruit and salad days, free sports classes
  • Easily accessible city centre offices, in the vicinity of many shops and restaurants to which you receive a discount

Bank of Scotland is committed to equal opportunities and actively promotes diversity and equality. We therefore welcome applications from candidates with disabilities. This position is available on a part time or full time basis.

We look forward to receiving your complete application (max. 3 MB) with a letter of motivation, CV, references, salary expectations and earliest possible start date in English.

Apply now