Jobbeschreibung
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 reinforcement for our teams, because all our ambitious goals would be unattainable without teamwork. We also welcome career changers.
For our office in Berlin Mitte we are looking for a
Credit Risk Business Analyst – German Mortgages (m/f/d)
You will be the business analysis lead for credit‑risk change and BAU improvements across the German Residential Mortgages portfolio. Partnering with Product, Underwriting, Collections & Recoveries, Data/IT, Finance and Compliance, you'll translate regulatory and risk‑management requirements into clear epics, features, and user stories, then support delivery to ensure safe, compliant and data‑driven mortgage operations end‑to‑end. You have a strong knowledge of Mortgage back-office processes and regulatory requirements, especially in relation to intensified and problem loan management.
- Requirements, design & delivery (mortgage credit risk change)
- Elicit, challenge and document business and data requirements for the Intensified and Problem loan management phase of the customer lifecycle (post‑origination monitoring, arrears/forbearance, default, workout and recoveries) and convert them into implementable user stories and acceptance criteria.
- Act as the functional SME so that processes and systems are fit for purpose and consistent with Definition of Default (DoD), IFRS 9 impairment/staging, and forbearance reporting requirements.
- Analyse processes and MI to surface control or outcome gaps; make pragmatic design recommendations and support UAT and go‑lives.
- Regulatory alignment (German mortgages)
- Embed MaRisk/KWG loan monitoring and workout expectations in processes and MI, including the ongoing income‑information disclosure/monitoring process and corresponding controls for higher‑exposure customers.
- Partner with Collections & Recoveries to maintain early‑intervention timelines and arrears/forbearance policy‑to‑process clarity (e.g., interaction with external partners, expense‑plausibility checks, case‑control evidence), aligned to DoD and conduct expectations.
- Support implementation of DoD into the Banks processes and IT systems and support the design of controls to ensure a timely and accurate flagging of defaulted customers and support the monitoring of the portfolio.
- Data, models & IRB/CRR3 readiness
- Work with risk modelling and data teams on data sufficiency, lineage and documentation to support IRB readiness for the DE mortgage book under CRR 3 translating these needs into practical change items and MI.
- Contribute to IFRS 9 and stress‑testing MI needs (staging, ECL drivers, overlays/management judgment) to keep BAU reporting consistent and explainable
- Data, models & IRB/CRR3 readiness
- Work with risk modelling and data teams on data sufficiency, lineage and documentation to support IRB readiness for the DE mortgage book under CRR 3 translating these needs into practical change items and MI.
- Contribute to IFRS 9 and stress‑testing MI needs (staging, ECL drivers, overlays/management judgment) to keep BAU reporting consistent and explainable
- Delivery
- Clear, complete requirements & traceability for German mortgage risk change items; passed UAT with robust acceptance evidence.
- Operationalised regulatory expectations (income‑information monitoring; arrears/forbearance/DoD controls) with measurable, reportable compliance.
- Credible, consumable MI for risk decisioning (IFRS 9, DoD, early warnings), with validated data definitions and lineage.
- Positive assurance during internal/external reviews based on complete change artefacts and evidence packs.
- Master's degree (or equivalent) in a quantitative, business or IT discipline; relevant BA or risk qualifications an advantage
- Good knowledge of credit risk-related regulatory requirements
- Good knowledge of information analysis and interpretation (Excel, SAS, SQL, R or PYTHON)
- Fluent written and spoken German and English
- Exposure to MaRisk/KWG (esp. BTO 1.2, AT 4.x) implementation in retail lending, e.g., ongoing income information processes; ability to convert these expectations into automated controls and MI
- Familiarity with arrears & forbearance policy/process build‑out and early‑intervention SLAs (and practical interactions with outsourced partners/case‑management tooling).
- Comfortable working with common change collaboration tools (e.g., Jira/Confluence/Visio) for backlogs, documentation, and traceability
- Previous professional experience in a comparable position in the financial sector
- Comfortable working with common change collaboration tools (e.g., Jira/Confluence/Visio) for backlogs, documentation, and traceability
- An international team with colleagues from more than 50 different countries
- Social benefits such 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 Programme – 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 sports activities, 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