Manager Retail Credit Risk Control

Shape the Future of Retail Credit Risk at Lloyds Bank

We are looking for a seasoned leader to head our Credit Risk Control team within the second line Credit Risk Control Unit (CRCU). This is a pivotal role in strengthening our risk management capabilities as we expand our Dutch and German retail lending portfolios.

You will lead a team of experts responsible for maintaining a robust policy framework, overseeing credit risk across the retail lifecycle, and embedding our risk appetite into all processes. You’ll also play a key role in supporting new product and process initiatives, ensuring risk is managed proactively and effectively.

A Day in Your Role Might Include:

• Reviewing portfolio updates and identifying emerging credit trends.
• Collaborating with product teams on new initiatives, ensuring risk factors are addressed.
• Leading team huddles to discuss regulatory developments and their impact.
• Engaging with collections teams to assess regulatory changes on customer processes.
• Coaching team members in 1:1 sessions to support their growth.
• Ensuring efficient loan approval processes for larger retail exposures.
• Aligning with analytics teams on quarterly priorities and strategic initiatives.
• Preparing for stakeholder sessions on digital innovation in retail lending.

Your Team and Environment

• You’ll join the Risk Management & Controlling (RM&C) department, a dynamic group of over 50 financial risk professionals. Within CRCU, your team plays a critical role in identifying, assessing, and mitigating credit risks while driving value creation across the bank.
• We foster a culture of collaboration, innovation, and excellence, and we’re proud of our inclusive and supportive work environment.

Your Accountabilities

• Team Leadership & Development
  Lead and grow a high-performing team across Amsterdam and Berlin. Foster a culture of learning, innovation, and resilience, while mentoring colleagues to align with strategic goals.
• Risk Management
  Ensure a consistent and transparent credit risk framework across products and geographies. Support first line initiatives, maintain regulatory compliance, and integrate ESG into risk practices.
• Technology & Innovation
  Drive scalable, data-driven solutions. Champion automation and stay ahead of industry and regulatory developments.
• Stakeholder Engagement
  Collaborate across teams to ensure policy alignment and process efficiency. Provide training, share insights, and represent CRCU in senior management discussions.

Who You are

 Qualifications

• Master’s degree in a relevant field (e.g. economics, statistics, engineering, mathematics).

Experience & Knowledge

• 6+ years in financial risk roles, with 2+ years in team leadership.
• Strong understanding of retail credit risk across the customer lifecycle.
• Experience with mortgage and personal loan products.
• Deep knowledge of regulatory frameworks (e.g. MaRisk, EBA GLOM, DoD, Forbearance).
• Proven stakeholder management across organizational levels.

Skills & Capabilities

• Ability to translate complex data into actionable insights.
• Proactive, analytical, and solutions-oriented.
• Strong planning and organizational skills.
• Excellent communicator in English; Dutch or German is a plus.

Why Lloyds Bank?

• Impactful Work: Help shape the future of retail credit risk and protect our customers and the bank.
• Collaborative Culture: Work with talented colleagues across Amsterdam and Berlin.
• Growth Opportunities: Access to continuous learning and career development.
• Strategic Locations: Be part of our vibrant offices in Amsterdam or Berlin.

Some highlights of our benefits for you!

• 13th-month salary, either paid monthly or once a year in December.
• 30 days PTO (or 240 hours) per year (based on full-time employment).
• Non-contributory pension scheme.
• Flexible working; you can schedule your work hours to meet your personal needs.

Apply

Apply to our vacancies by sending your CV and motivation letter to [email protected], or use the application form on our website. After receiving your application, we'll review it and share a reply as soon as possible.

About Lloyds Bank

Lloyds Bank GmbH is part of Lloyds Banking Group, a financial institution with a large clientele in the UK and other parts of the world. Together with our office in Berlin, we form Lloyds Bank GmbH with its headquarters in Amsterdam and we have over 500 colleagues.

We aim to lead by example in the bold decisions we make as a business, from where and how we invest, to the products and services we offer, and of course the workplace we create. We will search for new ways to work with people, communities and businesses, to always evolve with their needs. And we will never stop innovating to make sustainable, ethical choices easy and rewarding.

At Lloyds Bank GmbH we play an important part in peoples’ lives, by the products we offer, and also how we operate. We finance your mortgage, keep your savings secure and also provide you with a personal loan if you need this. In Amsterdam we do this with an enthusiastic team of approximately 200 colleagues from different nationalities, and with an engagement score of 93%, colleagues find us a real ‘Great Place to Work’!

With our grand ambitions, we are looking for new colleagues who will bring fresh ideas to help us grow!

Are you ready to join our journey?

Have we made you curious, and are you ready to join the team? Please introduce yourself to us in the best way possible and send your application, including your paper on risk elements within the mortgage market, to: [email protected]. A screening is part of the process. 

We hope to meet you soon!

Acquisition to this vacancy is not appreciated.