Senior Credit Risk Manager

Raisin; München; Hybrid; EUR 90.000 - 130.000; Vollzeit

Benefits dieser Stelle

Visa & Relocation Support

€1,700 Training Budget

Free Choice of Hardware

Beginner German Classes

Food & Drinks

Flexible working hours, home office &

28 vacation days

Company Pension Scheme

Team Events

Urban Sports Club Membership Subsidy

Zusammenfassung

Raisin is seeking an experienced Credit Risk Manager to own and advance our credit risk framework. You will build reporting infrastructure with Looker, Mambu, and Google Sheets, perform independent risk analysis, and drive data‑driven decisions that influence executive strategy.

You will monitor portfolios for concentrations, manage IFRS 9 provisioning, and ensure compliance with CRR/MaRisk standards while collaborating across Front Office, Finance, and Risk Controlling.

Qualifikationen

• 5+ years of experience in credit risk analysis, risk controlling, or credit structuring within banking/fintech.
• Strong understanding of IFRS 9 (staging, ECL) and CRR/MaRisk basics.
• Ability to navigate complex stakeholder dynamics and drive risk-informed decisions.

Aufgaben

• Perform independent credit risk analysis of counterparties and transactions across corporates, financial institutions, and sovereigns.
• Architect and maintain Looker, Mambu, and Google Sheets reporting infrastructure ensuring data quality.
• Create risk dashboards and reports to influence senior management's strategy.
• Monitor portfolio risk, identify concentrations, and support proactive mitigation.
• Oversee provisioning in line with IFRS 9/ECL and regulatory requirements (Basel III/IV).
• Lead or participate in data quality and systems improvement projects.

Kenntnisse

Credit risk analysis

Stakeholder management

Data-driven decision making

Ausbildung

University degree in Finance

Economics / Business Administration degree

FRM or CFA beneficial

Tools

Looker

Mambu

Google Sheets

Python

SQL

Tableau/Power BI

Jobbeschreibung

• As our Credit Risk Manager, you will take full ownership of our credit risk framework, operating as a hands‑on builder and independent risk partner
• This role requires the resilience to navigate complex stakeholder dynamics, the technical agility to modernize our reporting infrastructure using Looker and Mambu, and the expertise to tackle operational backlogs while ensuring robust risk steering across our diverse portfolio
• Credit Analysis: You will perform independent credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns), evaluating financials, business models, and structures
• Infrastructure & Data Ownership: You will architect and maintain your own reporting infrastructure using Looker, Mambu, and Google Sheets, ensuring high data quality across all risk processes
• Strategic Risk Steering: You will drive data‑driven decision‑making by creating insightful risk dashboards and reporting that directly influence senior management’s strategic steering
• Proactive Portfolio Monitoring: You will maintain strict oversight of credit developments, identifying sector concentrations and deteriorating risk profiles to facilitate proactive risk mitigation
• Provisioning & Forecasting: You will manage loan loss provisioning processes in accordance with IFRS 9 and ECL frameworks, including staging assessments and qualitative overlays
• Regulatory Compliance: You will ensure strict adherence to internal risk limits and external regulatory requirements (e.g., CRR, MaRisk, Basel III/IV)
• Project Management: You will lead or participate in initiatives to improve data quality, enhance systems, and validate models, driving the modernization of our risk infrastructure
• Cross‑Functional Partnership: You will act as a partner to the Front Office, Finance, and Risk Controlling teams, providing expert guidance on credit risk topics while balancing business growth objectives with robust risk management frameworks

Benefits

• Visa & Relocation Support
• 1,700 EUR Training Budget
• Free Choice of Hardware
• Beginner German Classes
• Food & Drinks
• Flexible working hours, home office and 28 vacation days
• Company Pension Scheme
• Team Events
• Subsidised Urban Sports Club Membership

We are seeking an experienced Credit Risk professional who operates with a high degree of autonomy, bringing both the technical capability to build processes from scratch and the resilience to navigate complex stakeholder landscapesThe ideal candidate combines deep analytical expertise with the strategic mindset to challenge assumptions and safeguard the Raisin Bank’s risk appetiteTechnical Proficiency: You are skilled at managing risk data using Looker, Mambu, and Google Sheets. Knowledge of programming skills (Python/SQL) and BI tools (Tableau/Power BI) are a definite assetProactive Mindset: You maintain a highly self-directed approach to identifying deteriorating risk profiles and portfolio concentrations, with the capability to take full ownership of the scope with minimal guidanceLanguage: Your primary working language is English; no German language proficiency is requiredProfessional Background: You hold a university degree in Finance, Economics, Business Administration, or a related discipline. Holding professional certifications such as the FRM or CFA designation is an added advantageCommunication & Influence: You show a proven ability to navigate complex stakeholder dynamics; you possess the strength of character to hold firm on risk decisions under pressure and effectively bridge the gap between the first and second lines of defenseExperience: You bring 5+ years of experience in credit risk analysis, risk controlling, or credit structuring within banking or financial servicesAnalytical Competence: You possess a proven ability to assess transactional credit risk, including business models, financial covenants, collateral, and legal documentationOperational Resilience: You demonstrate high personal resilience and comfort navigating a fast‑paced, forming fintech environment. You possess the strength of character required to navigate significant stakeholder pressure and thrive on “change the bank” projectsRegulatory Knowledge: You demonstrate a strong working knowledge of IFRS 9 concepts (staging, ECL) and European regulatory frameworks (CRR, Basel III/IV, MaRisk)We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply