Credit Risk Business Analyst – German Mortgages (m/f/d)

Credit Risk Business Analyst – German Mortgages (m/f/d)

Location: Berlin Mitte Join Lloyds Bank Deutschland as a Credit Risk Business Analyst, leading credit‑risk change and BAU improvements across the German Residential Mortgages portfolio. Partner with Product, Underwriting, Collections & Recoveries, Data/IT, Finance and Compliance to translate regulatory and risk‑management requirements into clear epics, features, and user stories, and support delivery to ensure safe, compliant, and data‑driven mortgage operations end‑to‑end.

Responsibilities

• Requirements, design & delivery (mortgage credit risk change)
  • Elicit, challenge and document business and data requirements for the Intensified and Problem loan management phase of the customer lifecycle (post‑origination monitoring, arrears/forbearance, default, workout and recoveries) and convert them into implementable user stories and acceptance criteria.
  • Act as the functional SME, ensuring processes and systems are fit for purpose and consistent with Definition of Default (DoD), IFRS9 impairment/staging, and forbearance reporting requirements.
  • Analyse processes and MI to surface control or outcome gaps; make pragmatic design recommendations and support UAT and go‑lives.
• Regulatory alignment (German mortgages)
  • Embed MaRisk/KWG loan monitoring and workout expectations in processes and MI, including the ongoing income‑information disclosure/monitoring process and corresponding controls for higher‑exposure customers.
  • Partner with Collections & Recoveries to maintain early‑intervention timelines and arrears/forbearance policy‑to‑process clarity (e.g., interaction with external partners, expense‑plausibility checks, case‑control evidence), aligned to DoD and conduct expectations.
  • Support implementation of DoD into the bank’s processes and IT systems and design controls to ensure timely and accurate flagging of defaulted customers and portfolio monitoring.
• Data, models & IRB/CRR3 readiness
  • Work with risk modelling and data teams on data sufficiency, lineage and documentation to support IRB readiness for the DE mortgage book under CRR3, translating these needs into practical change items and MI.
  • Contribute to IFRS9 and stress‑testing MI needs (staging, ECL drivers, overlays/management judgment) to keep BAU reporting consistent and explainable.
• Delivery
  • Clear, complete requirements & traceability for German mortgage risk change items; passed UAT with robust acceptance evidence.
  • Operationalised regulatory expectations (income‑information monitoring; arrears/forbearance/DoD controls) with measurable, reportable compliance.
  • Credible, consumable MI for risk decisioning (IFRS9, DoD, early warnings), with validated data definitions and lineage.
  • Positive assurance during internal/external reviews based on complete change artefacts and evidence packs.

Profile

• Master’s degree (or equivalent) in a quantitative, business or IT discipline; relevant BA or risk qualifications an advantage.
• Good knowledge of credit risk‑related regulatory requirements.
• Good knowledge of information analysis and interpretation (Excel, SAS, SQL, R or Python).
• Fluent written and spoken German and English.
• Exposure to MaRisk/KWG (esp. BTO1.2, AT4.x) implementation in retail lending, e.g., ongoing income information processes; ability to convert these expectations into automated controls and MI.
• Familiarity with arrears & forbearance policy/process build‑out and early‑intervention SLAs (and practical interactions with outsourced partners/case‑management tooling).
• Comfortable working with common change collaboration tools (e.g., Jira/Confluence/Visio) for backlogs, documentation, and traceability.
• Previous professional experience in a comparable position in the financial sector.

Benefits

• International team with colleagues from more than 50 countries.
• Social benefits including a company pension scheme and capital formation contributions.
• 30 days holiday, plus non‑working days on 24 and 31 December.
• Employee Assistance Programme – personal 24/7 helpline for all employees.
• Flexible working arrangements, including part‑time models, flexitime and extensive home office options.
• Possibility to work from other EU countries for up to 30 days per year.
• Additional benefits such as sports activities, free fruit, nuts and drinks.
• Employer contributions to BVG job ticket and a Lease‑a‑Bike programme.
• Informal corporate culture – no dress code and no use of 'Sie'.
• Excellent learning culture and opportunities to improve professional competencies.
• City‑centre office with discounts on nearby shops and restaurants.

Important Note

Valid work permit for Germany is required for non‑EU citizens. Applications without a valid work permit and sufficient German language skills may not be considered.