Overview
As Head, Credit Policy and Portfolio Management, you drive the risk governance framework for credit risk and IRB models in Frankfurt. You influence strategy and ensure robust governance, documentation, and evidence across the model lifecycle, aligning with ECB/SSM expectations. You partner with risk, data, model development and validation teams to maintain end-to-end controls and reporting. The role combines regulatory oversight with strategic leadership to shape risk appetite and capital planning. You will lead a high-impact function that supports the bank’s risk framework and supervisory readiness, while guiding cross-functional partners toward compliant execution.
Leistungen / Benefits
- competitive salary and benefits
- flexible working arrangements
- Unmind wellbeing platform
- learning culture and development opportunities
- Employee Assistance Programme
- retirement savings and insurance
Verantwortungsbereiche
- Own and maintain the Credit Risk Type Framework and related policies/standards with audit-ready documentation and version control.
- Monitor regulatory changes (ECB/SSM, CRR/CRD, EBA guidance, BaFin) and perform gap analyses with remediation plans.
- Provide independent oversight of the credit risk framework and IRB model governance, coordinating with Model Development, Validation, Data/IT and Risk Analytics.
- Oversee IRB model usage by credit risk analysts across 1st and 2nd lines to ensure policy and governance compliance.
- Oversee credit risk stress testing (ICAAP, risk-specific, ad-hoc) governance and document limitations and management actions.
- Lead end-to-end credit risk reporting (portfolio, concentration, limits, ICAAP outputs) with accuracy and clear management commentary.
- Challenge business strategy from a credit risk perspective and evolve the Credit Risk Management Framework and risk appetite.
- Lead Credit Risk Controlling and the IRB governance framework to meet ECB/SSM requirements and readiness for supervisory reviews.
- Design and maintain end-to-end processes for regulatory change implementation within the framework, including risk inventory and ICAAP linkage.
- Ensure regulatory updates are reflected in risk reporting and provide second-line oversight of governance forums.
Zentrale Anforderungen
- BaFin and European regulatory compliance experience
- Degree in a quantitative subject
- Extensive wholesale credit risk model-building experience
- Expert knowledge of ECB and EBA IRB model development requirements
- Experience in credit risk governance and model risk
- People management and stakeholder communication
- Experience with risk type frameworks, risk teams and model development
- Extensive experience with regulatory requirements
- leadership
- effective communication
- stakeholder management
- IRB model governance
- credit risk management
- ICAAP and stress testing
Head, Credit Policy and Portfolio Management Arbeitgeber: Standard Chartered
Standard Chartered ist ein hervorragender Arbeitgeber, der Ihnen die Möglichkeit bietet, in einem dynamischen internationalen Bankumfeld in Frankfurt zu arbeiten. Mit einem starken Fokus auf Mitarbeiterentwicklung und einer Kultur der kontinuierlichen Verbesserung fördern wir Ihre berufliche Entfaltung durch Schulungen und Mentoring-Programme. Darüber hinaus bieten wir flexible Arbeitsoptionen, umfassende Sozialleistungen und eine inklusive Arbeitsumgebung, die Vielfalt schätzt und respektiert.
