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.