Enterprise Risk Manager

Unzer; Berlin; On-site; EUR 80,000 - 120,000; Full time

Benefits offered by this job

Hybrid work model

Learning budget

Flexible working hours

Excellent working atmosphere

Ambitious, diverse, and agile teams

Job summary

Unzer in Germany seeks an Enterprise Risk Manager to reinforce the second line of defense across financial and non-financial risks. You will ensure the risk framework is embedded, monitor risk indicators, and support regulatory compliance across EU regulations.

You will translate risk insights into management information, collaborate with groups, and promote a risk-aware culture while maintaining robust documentation and controls.

Qualifications

• At least 3 years of experience in enterprise risk, risk control, risk management, audit or consulting.
• Solid knowledge of regulatory requirements for financial and non-financial risk.
• Strong quantitative and analytical skills with risk data and reporting.

Responsibilities

• Support implementation and integration of the risk management framework across entities.
• Provide risk analyses, scenario and stress testing, and risk reporting to management.
• Assist with audits and maintain risk policies and documentation.
• Translate risk insights into clear management information for committees.

Skills

Quantitative skills

Analytical thinking

Regulatory knowledge

Communication skills

Stakeholder management

Risk reporting

Second line-of-defense

Tools

Risk management frameworks

Internal control systems

Job description

• The team safeguards Unzer’s performance and reputation by proactively managing enterprise-wide financial risks and non-financial risks – covering capital, liquidity, credit/counterparty, market and settlement risk as well as operational, process and control risks, provide independent oversight, embedding the risk framework, ensuring regulatory compliance and fostering a strong risk culture – enabling informed decisions and sustainable growth within risk appetite
• Acting as second-line-of-defense expert across both risk domains, the role brings particular depth in financial risk and translates quantitative risk insights into actionable management information
• Unzer lives a customer-centric organization, so that the Enterprise Risk Manager is fully aware of who his/her customers are and leads by example in striving to have all Financial & Non-Financial Enterprise Risk processes, documentations and ways of working to be customer-first, pragmatic and solution-orientated to the highest degree possible
• Serve as the (local) subject matter expert, supporting teams and individuals in financial and non-financial risk-related topics with in-depth expertise in financial risk (capital adequacy, liquidity, credit/counterparty, market and settlement risk)
• Ensure effective/sound implementation and integration of the risk management framework across all Unzer entities, adhering to relevant regulatory requirements (EBA, CSSF, MaRisk, DFSA, and/or other applicable EU regulations), including risk appetite statement and the derived financial and non-financial risk limits and thresholds
• Identify and address gaps in the risk framework while proactively proposing solutions, changes, or preventive measures; conduct risk analyses and review existing controls for effectiveness, including scenario and stress testing as well as risk reporting with key risk indicators for management and committees
• Assess, review, and contribute to continually improve the risk management framework, ensuring it remains effective amid changing regulatory and business needs
• Contribute with developing, updating, and maintaining risk policies, procedures, and related documentation across both risk domains
• Support both internal and external audits, including regulatory audits; implement and monitor of trainings and programs to promote risk awareness within the organization; collaborate independently with other Group Risk Control functions on projects, tasks and enterprise risk-related initiatives, seeking guidance for complex or unfamiliar scenarios

Benefits

• A hybrid work model allows you to keep work-life balance – you can work from home up to 80% of the time
• A learning budget for personal development in addition to internal knowledge-sharing forums and best practice sharing. We want you to have the ability to learn something new every day!
• Flexible working hours
• Excellent working atmosphere in ambitious, diverse, and agile teams
• A fast-paced work environment with the creative freedom to contribute to Unzer’s future

Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you

Requirements

• Knowledge of relevant European regulations, with emphasis on German, Luxembourg, and Danish requirements
• Solid experience with internal control systems and risk management frameworks
• A valid work permit is required; visa sponsorship and relocation support are not provided
• Proficiency in English, German, and/or Danish, with strong verbal and written communication skills
• An understanding of payment or financial services and/or acquiring business operations is an advantage
• At least 3 years of experience in enterprise risk, risk control, risk management, audit, or consulting, ideally with a demonstrable focus on financial risk topics
• Strong quantitative and analytical skills, and confidence handling financial data, risk metrics, and reporting tools
• Solid knowledge of regulatory requirements concerning financial enterprise risk, such as capital and liquidity adequacy and safeguarding of client funds, and non-financial risk, such as internal control and operational risk requirements
• Ability to interpret regulations and clearly present conclusions and plans to a range of stakeholders, both orally and in writing