Risk Management Specialist | Assistant Vice President or Associate (m/w/d)

SMBC Group; Frankfurt; Presencial; EUR 90 000 - 120 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Hybrid working

Paid leave

Private medical insurance

Wellbeing network

Learning & development

Resumo da oferta

SMBC Group in Frankfurt, Germany is recruiting a Risk Management Specialist at AVP/Associate level to support credit risk policy development and governance. The role focuses on regulatory alignment with ECB expectations and cross-functional policy coordination across SMBC offices.

You will develop and maintain policies, guide stakeholders on risk policy requirements, and drive the implementation of regulatory changes within processes and systems.

Qualificações

• 3+ years of experience in credit risk management or related functions.
• Experience developing and reviewing policies, procedures, and governance documents.
• Familiarity with ECB/EBA MaRisk and related credit risk frameworks.

Responsabilidades

• Develop, maintain, and enhance credit risk policies and governance documents.
• Coordinate policy updates with Head Office, EMEA, and other functions.
• Review policy docs to ensure regulatory compliance.
• Provide guidance on credit risk policies and governance matters.
• Support implementation of policy requirements in processes and systems.
• Conduct regulatory gap analyses and support ECB onboarding.

Conhecimentos

Credit risk management

Analytical thinking

Stakeholder management

Communication

Ferramentas

Excel

Word

PowerPoint

Descrição da oferta de emprego

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Risk Management Specialist | Assistant Vice President or Associate (m/w/d)

7 Oct 2026

Frankfurt, HE, DE, 60311

SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Position Overview

The Assistant Vice President (AVP) will support SMBC's Credit Risk Management function through the following responsibilities:

• Developing, maintaining, and enhancing credit risk policies, procedures, and governance documents.
• Providing guidance and support to stakeholders on credit risk policies, procedures, and governance matters, including responding to enquiries relating to associated operational processes and systems.
• Supporting the implementation and embedding of regulatory and internal credit risk requirements across policies, processes, and systems.

The role focuses on regulatory gap analysis, policy development, stakeholder support, and the maintenance and enhancement of related operational processes and systems. The objective is to ensure compliance with applicable regulatory requirements and expectations including ECB, and industry best practices.

Key Responsibilities

• Develop, maintain, and enhance credit risk policies, procedures, and governance documents.
• Liaise with stakeholders across SMBC, including Head Office, EMEA, and other functions, to coordinate policy and regulatory updates.
• Review and update credit risk policy and procedure documentation to ensure compliance with audit and regulatory standards.
• Provide guidance and support on credit risk policies, procedures, and governance matters, including enquiries relating to associated operational processes and systems.
• Support the implementation of credit risk policy requirements within operational processes and supporting systems.
• Conduct regulatory gap analyses and support the implementation of regulatory developments, including ECB expectations.
• Take initiative in supporting ECB onboarding and related credit risk initiatives, including gap assessments, stakeholder coordination, documentation, and remediation activities.

1. Well-maintained credit risk policies, procedures, and governance documents aligned with applicable regulatory requirements and expectations including ECB, and industry best practices.

2. Efficient and regulatory-compliant credit risk processes supported by clear standards, controls, and supporting systems.

3. Timely implementation and embedding of enhanced credit risk policies, procedures, and regulatory requirements across the organisation, including ECB onboarding and related remediation activities.

Qualifications

• Minimum 3 years of experience in credit risk management, credit risk policy, governance, regulatory implementation, or related risk management functions.
• Experience in developing, maintaining, or reviewing policies, procedures, and governance documentation within a risk management or regulatory environment.
• Familiarity with regulatory requirements including ECB/EBA guideline and MaRisk, and credit risk frameworks, including areas such as Definition of Default, Forbearance, Leveraged Transactions, and Loan Origination and Monitoring.
• Strong analytical, problem-solving, and stakeholder management skills, with the ability to communicate effectively across business and control functions.
• Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint. Experience with data management and reporting tools would be an advantage.

Customer Focus

Driving Change

Driving Results

Judgement and Decision Making

Strategic and Visionary

Trust and Integrity

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.

About SMBC

A trusted partner for the long term
United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.
Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers