ECB-Ready Credit Risk Lead: Dutch Mortgages & Analytics

Lloyds Bank Plc; Amsterdam; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

13th-month salary

30 days PTO

Non-contributory pension

Flexible working

Job summary

Lloyds Bank GmbH seeks a Senior Credit Risk Analyst to shape ECB readiness and strengthen risk analytics across the Dutch mortgage portfolio. You will lead workstreams, provide risk advice for OneCredit, and translate regulatory expectations into practical results within an international Risk Management & Controlling environment.

The role combines analytical work with stakeholder engagement, webbing together data, compliance, IT and business teams in a hybrid Amsterdam setting.

Qualifications

• Several years of relevant experience in credit risk, risk analytics, modelling or a closely related field.
• Strong knowledge of credit risk management and the relevant European regulatory framework.
• Experience working in or with an ECB-supervised bank, or direct experience with ECB supervisory activities, is strongly preferred.
• Experience in IFRS 9, ideally related to Dutch residential mortgages, is a strong advantage.
• Proven ability to lead projects or workstreams involving multiple stakeholders and dependencies.
• Strong analytical and data skills, with the ability to interrogate large datasets, identify issues and translate analysis into clear business conclusions.
• Experience with tools such as SQL, Python, SAS and/or Databricks is highly desirable. Comparable senior Amsterdam risk roles explicitly request Python, SAS, R, SQL, Databricks and Git.
• Experience with regulatory inspections or onsite inspections is a plus, consistent with the existing senior risk vacancy.
• Strong stakeholder-management and communication skills, including the ability to explain complex risk and data topics clearly.
• Hands-on, proactive and comfortable working independently in a changing environment.
• Excellent command of English; Dutch and/or German is an advantage.

Responsibilities

• Lead selected (sub-)workstreams within the ECB Readiness Programme, coordinating activities, dependencies and stakeholders and driving topics through to completion.
• Provide credit risk expertise and advice to the OneCredit project, supporting the development of robust future credit risk frameworks, standards and processes.
• Perform and oversee credit risk analysis for the Dutch mortgage portfolio, using data to identify risks, trends and areas requiring further investigation.
• Contribute expertise on IFRS 9, preferably with practical experience relating to Dutch mortgages.
• Interpret ECB, EBA and other relevant regulatory expectations and translate these into practical implications for the Bank.
• Support the preparation for ECB supervisory engagement, reviews and inspections.
• Work with large and complex datasets and support the identification, analysis and resolution of data-quality issues.
• Provide clear, concise and evidence-based advice to senior stakeholders.
• Collaborate across Risk, Finance, IT, Data and business teams to drive sustainable solutions.

Skills

Credit risk analysis

Regulatory experience

Data analytics

Stakeholder management

Project leadership

IFRS 9

ECB supervisory experience

SQL

Python

SAS

Databricks

Git

Education

Master’s degree in quantitative/finance

Tools

SQL

Python

SAS

Databricks

Git

Job description

Lloyds Bank GmbH seeks a Senior Credit Risk Analyst to shape ECB readiness and strengthen risk analytics across the Dutch mortgage portfolio. You will lead workstreams, provide risk advice for OneCredit, and translate regulatory expectations into practical results within an international Risk Management & Controlling environment.

The role combines analytical work with stakeholder engagement, webbing together data, compliance, IT and business teams in a hybrid Amsterdam setting.