Senior Analyst Mortgage Operations & Credit Risk (m/f/d)
We're looking for a strategic thinker with deep expertise in credit risk and mortgage operations to lead business analysis initiatives for our German residential mortgage portfolio. Your mission: ensure regulatory compliance and deliver operational improvements that make a real impact across the customer lifecycle.
This position is highly collaborative you'll work with teams in Product, Underwriting, Collections & Recoveries, Finance, Legal, and Compliance to turn regulatory and risk requirements into actionable solutions. From shaping user stories to guiding implementation, you'll be at the center of change.
What You'll Do
- Drive Change: Lead analysis for credit-risk projects and BAU enhancements, focusing on intensified and problem loan management (monitoring, arrears, forbearance, default, recovery).
- Translate Needs: Convert business requirements into clear user stories and acceptance criteria for delivery teams.
- Ensure Compliance: Embed MaRisk, KWG, and other regulatory standards into processes and systems, including IFRS 9 staging and forbearance reporting.
- Optimize Processes: Identify gaps in workflows and management information, recommend improvements, and support UAT for successful rollouts.
- Governance & Documentation: Facilitate workshops, maintain traceability, and prepare evidence packs for internal and external reviews.
What Success Looks Like
- Complete, traceable requirements for all mortgage risk initiatives.
- Regulatory expectations operationalized with measurable compliance.
- Reliable management information for risk-based decision-making.
- Positive assurance during audits and reviews.
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