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Credit Risk Specialist for Consumer Loans (all genders)

Location:

Vienna

Working-Hours:

Full-time

Occupation Area:

Risk management

Company:

Erste Bank Oesterreich

Erste Bank Oesterreich is a leading domestic financial institution. As part of the international Erste Group, we are an attractive employer who offers interesting career opportunities.

Are you a forward-thinking person looking to spearhead digitalization in the world of consumer loans? If YES we want YOU to join our Retail Risk Management team as Credit Risk Specialist for Consumer Loans!Retail Risk Management is an essential function at Erste Bank, responsible for innovating and maintaining risk systems, processes, and loan approval criteria for both private and micro-business customers. This team proactively manages our retail loan portfolio, allowing us to maximize opportunities while minimizing risk.

Your Tasks

• Digitalize our credit risk and lending processes for consumer loans to foster customer accessibility and transparency
• Eliminate manual effort and ensure regulatory compliance
• Optimize loan approval criteria to reflect our risk/return appetite and ensure a wealthy consumer loan portfolio
• Improve the automatic processing and usage of transactional data in loan origination processes
• Work in cross-functional teams to develop and prioritize product features and enhancements that meet customer-, business- and risk-objectives
• Participate in industry conferences and events to stay up-to-date with emerging trends and best practices

Your Background

• University degree preferably in Business, Finance, Risk Management or related field
• Experience in Risk Management and/or Product Management, ideally in the financial services-, payments- or eCommerce industry
• Familiar with consumer loan portfolio management, agile methodologies as well as product development processes
• Excellent communication and interpersonal skills with the ability to build strong relationships with cross-functional teams and stakeholders
• Ability to prioritize and manage multiple complex projects simultaneously
• Fluent in German and English

Our Offer

• We offer you the opportunity to actively drive change and digitalization.
• You will be part of a motivated, experienced team with a varied range of tasks.
• Discover and enjoy the benefits of Erste Bank.
• The minimum wage for this full-time position in accordance with the collective agreement with complete fulfillment of the functional profile is EUR 43.554,00 gross per year. But this is just a formality - we would be happy to talk about your actual salary in person!
• We offer our employees the opportunity to divide their hours between working from home and at the office.
• We consider the diversity of our employees as key to innovation and success. As employer we are proud to offer everyone equal chances, irrespective of age, skin colour, religious belief, gender, sexual orientation or origin.

Apply online