Credit Risk Manager - Treasury
Credit Risk Manager - Treasury
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Job Description
About the opportunity:
Are you ready to fasttrack your career N26 is looking for a Credit Risk Manager Treasury to further develop the credit risk function at a cuttingedge technologydriven bank establishing credit analysis risk management and control tools developing credit processes based on state of the art technology as well as latest regulations in cooperation with leading business and tech experts and taking a key role in N26s Credit Office.
In this role you will:
- Further develop N26s credit risk functions for our treasury business within the credit risk department in order to accommodate N26s investment goals and risk leadership aspirations
- Perform credit risk assessments and contribute to risk monitoring processes for structured products ensuring compliance with internal policies and regulatory requirements
- Support the Treasury Credit Risk team in assessing monitoring and reporting on Treasury portfolio exposures with a focus on structured products i.e. ABS (RMBS ABCP) Repo Reverse Repo and securitized lending
- Contribute to development of the governance and process framework of structured lending in accordant policies and procedures in compliance with relevant laws and regulations (e.g. KWG MaRisk EBA Guidelines) and applicable best practices
- Contribute to data process improvement initiatives identifying opportunities for automation and efficiency gains in risk reporting and data management
- Contribute to credit risk departments enabler role for N26 by helping to develop cuttingedge credit solutions for our treasury business operationally preparing credit/investment decisions and executing credit controls
- Support further development of stateoftheart credit analysis methods processes and controls along the entire lifecycle (credit decision credit monitoring and early warning intensified and problem loan management) tailored to N26s asset classes and operating model
- Support further development of treasury strategy governance methodology and process frameworks in compliance with relevant law and regulation (e.g. KWG MaRisk EBA Guidelines) and applicable best practices
- Partner with Group Treasury Capital Markets and Corporate Finance Risk Controlling Accounting Regulatory Reporting and Tech departments to implement credit requirements help ensuring transparency and compliance with applicable credit law and regulations and contribute to establishing a risk culture in the organization
What you need to be successful:
Background
- Bachelors degree in finance economics or comparable field; additional qualification (e.g. Masters degree in relevant field passed CFA exams) is a strong plus
- 5 years experience in credit risk management treasury operations or risk data management ideally with exposure to structured products; previous experience in a FinTech is a plus
Skills
- Profound experience in credit risk assessment and monitoring for riskrelevant credit business (e.g. sovereigns financial institutions structured transactions)
- Ability to assess collateral creditworthiness of counterparties (ratings financials sensitivity to market conditions) in Treasury credit exposures
- Understanding of credit business across the entire value chain (e.g. credit decisioning monitoring and early warning) and accordant processes and controls
- Knowledge of ABS (RMBS ABCP) Repo Reverse Repo securitized lending and other structured products with an understanding of securitization structures and risk metrics is a strong plus
- Experience in project delivery on introducing new regulatory requirements complex credit process changes and/or credit process digitization
- Handson knowledge of credit risk regulation (e.g. KWG MaRisk EBA Guidelines Basel) its implementation in credit processes and interaction with internal/external auditors
- Experience working with risk data governance and data quality management processes is a strong plus
- Strong analytical and quantitative skills and ability to independently generate insights
- Familiarity with basic SQL commands and a willingness to further develop SQL skills. Python knowledge and proficiency in Bloomberg is a plus
- Fluent English (German is a plus).
Traits
- Both attention to details and strong analytical thinking
- Autonomous attitude and a get things done approach
- Rigorous critical thinking and drive to improve the status quo
- Curiosity about new technologies and openmindness to disrupt existing operating models
- Good communication skills
- Flexibility in a fastchanging environment
- Actively help yourself and the team to be successful
- Positive and collaborative mindset
- Will to continuously learn and act upon direct feedback
Whats in it for you:
- Accelerate your career growth by joining one of Europes most talked about disruptors .
- Employee benefits that range from a competitive personal development budget work from home budget discounts to fitness & wellness memberships language apps and public transportation.
- As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.
- Additional day of annual leave for each year of service.
- A high degree of autonomy and access to cutting edge technologies all while working with a friendly team of peers of diverse nationalities life experiences and family statuses.
- A relocation package with visa support for those who need it.
Who we are:
N26 has reimagined banking for todays digital world. Technology and design empower everything we do and its how we are building the global banking platform the world loves to use.
Weve eliminated physical branches paperwork and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.
We are headquartered in Berlin with offices in multiple cities across Europe including Vienna and Barcelona and a 1500strong team of more than 80 nationalities.
Sounds good Apply now for this position.
Equal Opportunities:
We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.
We genuinely welcome and encourage applications from people of all backgrounds cultures genders sexual orientations abilities neurodiversities and ages. Were committed to creating an inclusive workspace where everyone feels valued and respected free from harassment and discrimination. If theres anything you need to make the application process work for you please let us know by reaching out to .
Visit our website to learn more about Diversity Equity & Inclusion at N26.
Required Experience:
Manager
Employment Type
Full Time
