Head of Treasury and Credit

Vontobel; Düsseldorf; Vor Ort; EUR 170.000 - 250.000; Vollzeit

Benefits dieser Stelle

Top Düsseldorf location

Latest technology

Agile environment

Further training & mentoring

Flat hierarchy

Zusammenfassung

Bank Vontobel Europe AG seeks a Head of Credit & Treasury to own and run credit and treasury for the European arm. You will be responsible for Lombard loan credit decisions, liquidity risk management, and regulatory reporting, reporting to COO Europe with a group-wide interface in Switzerland.

The role is hands-on and operational, with potential evolves into team leadership as the bank grows, but current mandate is not people management. Fluent German and English required.

Qualifikationen

• Degree in finance, economics, or related field.
• CFA/CAIA is a plus.
• Hands-on experience in credit and/or treasury within private banking or financial institutions.

Aufgaben

• Own the credit process for Lombard loans, including policy, underwriting, monitoring and workout.
• Oversee treasury functions: liquidity management, funding structure and IRRBB reporting.
• Manage regulatory reporting (BaFin/Bundesbank) and governance with Group Credit/Treasury.

Kenntnisse

Credit risk management

Liquidity risk management

Regulatory reporting

Stakeholder management

German & English fluency

Ausbildung

Finance/economics degree

Jobbeschreibung

As Head of Credit & Treasury, you will personally own and run the credit and treasury function of Bank Vontobel Europe AG - a subsidiary of Vontobel, a globally active Swiss investment house serving high-net-worth clients.

Reporting to the COO Europe, with a functional dotted line into Group Treasury and Group Credit in Switzerland, you will be a hands-on expert responsible for credit decisions, liquidity and interest rate risk management, and regulatory reporting. As the business grows, this role has the potential to evolve into a team lead position - but the mandate today is operational ownership, not people management.

What would your role be?

• Credit Own the credit process for private banking clients (Lombard loans), from policy and origination standards through underwriting, monitoring, and workout. Define and maintain credit risk policies, limits, and collateral frameworks in line with KWG, MaRisk, and Group standards. Act as key decision-maker in the credit committee; represent credit risk in relevant governance bodies. Ensure credit reporting is accurate and timely. Coordinate with Group Credit (Switzerland) to align risk appetite, methodologies, and reporting.
• Treasury Manage the bank's liquidity position, funding structure, and intraday/short-term liquidity risk (LCR, NSFR, ALMM reporting). Own interest rate risk in the banking book (IRRBB) - measurement, hedging strategy, and Board-level reporting. Manage counterparty and correspondent banking relationships relevant to treasury operations. Coordinate funds transfer pricing (FTP) methodology with business lines and Group Treasury. Ensure regulatory treasury reporting (BaFin/Bundesbank) is complete and submitted on time.
• Governance & Stakeholder Management Act as primary contact for BaFin/Bundesbank on credit and treasury matters; prepare for and support regulatory examinations and audits. Represent Credit & Treasury in ALCO and other relevant management committees. Serve as the key operational interface with Group Credit/Treasury in Switzerland, ensuring consistent risk standards and methodologies across the group. Prepare credit and treasury papers, analyses, and recommendations for the COO and management body. As the bank grows, contribute to shaping the future structure of the function - including, potentially, building out a small team over time.

What are we looking for?

• Degree in finance, economics, or a related field; relevant professional qualification (e.g. CFA, CAIA) is a plus.
• 7+ years of hands-on experience in credit and/or treasury functions within private banking or a comparable financial institution.
• Strong technical knowledge of German/EU banking regulation relevant to credit and treasury (KWG, MaRisk, CRR/CRD, LCR/NSFR, IRRBB, ALMM).
• Track record in Lombard lending for HNWI clients; experience with collateral and credit risk frameworks.
• Solid understanding of ALM, liquidity management, and interest rate risk hedging.
• Comfortable owning a function end-to-end and working independently in a lean setup, without relying on a team.
• Experience working within an international group structure, ideally with exposure to Swiss and German regulatory environments (FINMA/BaFin).
• Strong stakeholder management skills — comfortable engaging with the COO, ALCO, regulators, and Group functions in Switzerland.
• Openness to eventually building and leading a small team, without this being the primary motivation for the role.
• Fluent in German and English.
• Affinity for Artificial Intelligence (AI) and a willingness to embrace AI-enabled tools and ways of working.

What do we offer?

• Top Düsseldorf location with collaboration spaces.
• All the latest technology to help you excel and advance.
• Agile environment in how we think, the way we work and our trust for each other.
• Opportunities for further training and mentoring to foster your professional development.
• Flat hierarchy with collaboration at all levels.
• Collaborative spirit.

Why Vontobel?

At Vontobel, you are building better futures for our clients and society, as well as for yourself.

As a family-owned and publicly listed company with over 2,000 professionals based in 28 locations globally and headquartered in Zurich, we're committed to long-term thinking and sustainability.

Our diverse team values unique perspectives, and we hire individuals determined to deliver in a dynamic and changing world.

At Vontobel, we are an equal opportunity workplace.

We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability or gender identity.

We value the many voices within our teams and are committed to creating an environment where everyone who wants to be part of our performance culture can be themselves.

It is based on mutual respect and zero tolerance for any form of discrimination.

By 2030, we want to be known as one of the leading and most trusted global investment firms.

We have 2,300+ engaged professionals, based in over 25 locations globally and headquartered in Zurich.

We are both majority family-owned and publicly listed.

Our capacity for long-term focus, on topics such as sustainability, is underpinned by the security of the family's 100-year commitment.

Driven by an ownership mindset, you can unlock your potential and translate insights into opportunities.

Private Clients Vontobel is committed to actively managing client assets with foresight across generations. We take a holistic approach, accurately monitor the markets, anticipate trends and opportunities, and develop individual solutions. This is how we protect the entrusted assets and create optimal conditions to increase them over the long term while taking controlled risks.

Institutional Clients Vontobel Asset Management is an active asset manager with global reach and a multi-boutique approach. Each of our boutiques draws on specialized investment talent, a strong performance culture and robust risk management. We deliver leading-edge solutions for both institutional and private clients.

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