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Manager Policies & Controls- Credit Risk (f/m) at solarisBank AG

Berlin, Germany
Full-Time
The core of the company is fast, modern technology that makes our banking services quick to setup and simple to build with. We see ourselves as a tech company with a full banking license. Our international team of 140+ colleagues combines digital focus, tech expertise and banking experience. Whether you're a full-stack developer, banker or astronaut, if you're ready to change banking, reach out to us. We love what we do and love our team.

solarisBanks' Risk & Data team develops and deploys risk measurement approaches and transaction decision making services. We deeply interact and collaborate within solarisBank with Product Management, Technology and Legal & Compliance. We work interdisciplinary within an Agile product development framework and while doing so, we have fun along the way.

Your Role & Responsibilities

CREDIT RISK POLICIES

  • Develop a fitting policy design to make policies as transparent as possible.
  • Implement a suitable document / policy management system.
  • Keep all credit risk policies up to date with continuously changing requirements, and make sure policies are consistent.
  • Create credit risk policies and manuals for new products.
  • Help our underwriters and other functions to be in compliance with applicable regulations by offering workable tool (manuals, checklists, e-solutions…).
  • Support the development of digital compliance tools (automatic checks…).
  • Be the point of contact for our auditors, respond to their inquiries and manage relationships.
  • Be the colleague-to-go-to for any query relating to credit risk policies.
  • Cooperation strongly with internal auditors, underwriters and other functions.
  • Review and approve credit risk policies of our partners, i.e. in case of outsourcing.
  • Support the team and participate actively on side projects (e.g. automation, dunning, development of organisational tools).

CREDIT CONTROL

  • You build a framework for random sampling.
  • You spot check loan approvals, collection procedures and other relevant activities on all levels (incl. our partners) to ensure compliance with applicable credit risk policies.
  • You monitor your credit control measures consistently and report results to our COO.

Our Perfect Match

  • Work experience in regulatory or legal obtained in a finance environment.
  • Previous exposure to lending products.
  • Professional drafting skills.
  • Working proficiency in English and good understanding of German.
  • Ability to break down abstract concepts (legal requirements) in workable solutions.
  • You master complexity and break it down into workable pieces.
  • You have ownership, be able to deep-dive and be persistent.
  • Ability and strong interest to work in a fast-paced, international environment.
  • Demonstrate initiative, capability to work autonomously under given objectives and organise own work effectively.

 

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