Head of Credit Risk Management Private Clients Retail NL

As Head of Credit Risk Management (CRM) Private Clients Retail NL you will be tasked with shaping a solid Credit Risk Management department which safeguards a sound and consistent credit risk oversight function on the Retail NL Private Clients portfolio, for which the residential mortgage portfolio of EUR 200 bn is the most prominent. In close cooperation with the relevant MT Retail NL members, you will be responsible for the design, implementation and steering towards a solid 1st and 2nd line framework for these business activities.

The Head of CRM Private Clients Retail NL is expected to operate independently and sets the framework for all transactions that touch the boundaries of risk appetite for Private Clients, in particular for residential mortgages, consumer lending and private banking.

• Setting the vision and strategy for the management of Credit Risk for Private Clients within the Retail NL domain (incl. Obvion and FREO)
• Ensuring the execution of that vision and strategy against a measurable set of objectives and performance criteria to support the balanced management of the Risk, Reward, Sustainability Triangle.
• Building a high performance team that proactively engages with all key stakeholders
• Promoting an environment that fosters best practice and continuous improvement in Credit Risk Management whilst ensuring cost and process efficiency
• Execution of these objectives through:
  • Providing strong credit risk governance and frameworks to Retail NL Private Clients;
  • Challenging, steering and advising on credit risk taking within Retail NL Private Clients;
  • Preparation of the credit risk report for private individuals, challenging and monitoring the credit portfolio for which the residential mortgage portfolio of EUR 200 bn is the most prominent, including the parameters from the report, and proactive steering and challenging on the portfolio (characteristics);
  • Challenging credit risks with new products or changes in products (oversight);
  • Challenging and monitoring changes in RUWC/RAH, in tariffs/rates, credit related Global Standards, Credit Risk appetite and limits, the CRAF PK; Delegated 2nd line ownership of Credit Models.

The Head CRM Private Clients Retail NL is a member of both the MT CRO Retail NL and the MT CRM and as such reports hierarchically to the CRO Retail NL and functionally to the Chief Credit Officer of Rabobank.

Together we achieve more than alone
We believe in the power of difference. Bringing together people's differences is what makes us an even better bank. So we are very curious about what you can bring to our team at Rabobank CRO Retail NL.

Working together is the way we work; as one reliable Rabobank team. Talking of Rabobank: We are a Dutch bank that operates in 38 countries for over 9,500,000 customers. Together with these customers, our members and partners we stand side by side to create a world in which everyone has access to enough healthy food. Within Europe & Africa, we work to create an environment in which people are happy with how they live, work and do business.

You and your talent

As a leader within Rabobank, you have an empowering leadership style focussed on the strength of diversity and create, facilitate and inspire high performing teams to achieve results together.

A coaching mind-set comes naturally to you and you have proven experience creating a diverse and inclusive environment. As a leader within Rabobank you take responsibility, facilitate and inspire the team, actively seek collaboration and you make the difference for the community.

In addition, it's important that you recognise yourself in the checklist below:

• Masters degree and level thinking
• 10 years+ banking experience in products and risk management with a clear preference for experience in the mortgage business.
• Management experience (10+ years).
• Strong communication and interpersonal skills and ability to work with business leaders and staff throughout the organization
• Understanding of the current relevant regulatory environment
• Knowledge of and strong affinity with credit risk management concepts, processes, organizations
• Rabobank experience (network) is strongly preferred
• Open and candid individual with excellent diplomatic and negotiating skills.
• Stimulating and safeguarding a strong risk culture, awareness of risks and everyone's contribution to risk management and the protection of Rabobank's reputation.
• A collaborative person who can work closely with others in a team-oriented setting.
• A person who is flexible and receptive to change, with a positive ‘can-do’ attitude.
• Actively demonstrating the 4 dimensions of Rabo Leadership: Personal, Team, One Rabo and Community
• Judgement and decision-making
• Change agility and preferably change and integration management experience
• Storytelling
• Complex problem solving

This is what we offer you

• Salary Scale EKI

You and the job application process

Reply to the vacancy for Head of Credit Risk Management Private Clients Retail NL at Rabobank before 20th May 2024

• We will hold the interviews through a video call.
• A security check is part of the process.
• We respect your privacy.

We'd like to get to know you.

Step 1Applying

Thanks for applying! We consider all the CVs and covering letters that we receive. After the closing date, you will hear from us as soon as possible.

Step 2First interview

Usually you’ll be meeting with your (potential) team leader and an immediate (future) colleague. We are keen to get a sense of whether you are a good fit for the position and our team. And you probably have a lot of questions too.

Step 3Second interview

We want to speak to you a second time. In this online meeting, we will delve deeper into the details of what the job entails. Another colleague will often join the interview too.

Step 4Offer

If you are a good match for us and we’re a good match for you, then you’ll receive a good offer by email. Some positions require you to undergo further assessment first.

Step 5Screening

We assess whether you are trustworthy enough to work for Rabobank in a screening process.

Apply for this job

Head of Credit Risk Management Private Clients Retail NL

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