Raiffeisen Bank International AG

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Retail Risk Systems Manager (f/m/x) - Digital Bank

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International business requires an international corporate philosophy. Are you open to new ideas and do you value cultural diversity? At Raiffeisen Bank International, we are pleased to have more than 16 million customers in 13 CEE countries. And our journey continues – with exciting new issues for us to tackle such as digitalisation and changing customer needs. Join us on our journey.

Retail Risk Systems Manager (f/m/x) - Digital Bank

We create the new digital-only Retail banking business line as part of the Raiffeisen Bank International with the seat in Vienna. We are looking now for curious, hardworking and experienced team players to strengthen our team to build it up and run the business. We are the team of professionals with a start-up culture in charge of one of largest digital innovation projects in our banking Group. We have plans to build new digital banking end-to-end customer journeys and plan to roll the service out across multiple CEE countries. You will drive the risk systems and calculations development by providing analysis, requirements, parameterisation and testing as well as you will help to grow the business by enhancing the risk solutions.

What you can expect:
  • Be part of the small, but growing retail credit risk team responsible for the whole retail credit risk life cycle
  • Be in charge of the credit decision engine – new developments, implementation of new strategies, integration of new data sources used in underwriting, changes in parameterisation, including champion/challenger approach
  • Coordinate and execute testing of new risk strategies and changes in risk parameters
  • Develop and run credit risk systems and calculations (e.g. default recognition and derecognition, identification of forborne exposures, impairment calculation)
  • Ensure methodological compliance of credit risk management areas – DPD counter, default recognition, forbearance, provisioning
  • Be responsible for reporting to Credit Bureau registers
  • Implement, run and test eligibility criteria for CRM campaigns
  • Closely cooperate with your colleagues in risk as well in other areas, both internally and with RBI Head Office
  • Manage the cooperation with external vendors (above all decision engine provider, Credit Bureaus, …) 

What you bring to the table: 
  • 4+ years of retail credit risk management experience in consumer lending, preferably in following areas – credit decision engine, credit risk management tools, risk infrastructure/operations setup and maintenance in a financial / lending institution
  • Experience in setting up and continuous development of credit risk strategy in decision engine
  • Experience in implementation of retail risk IT solutions for default recognition and derecognition process, identification of forborne exposures, IFRS 9 impairment calculation)
  • Technical background and technical skills
  • Proactive approach, focus on detail and quality, drive for results
  • Experience in dealing with external vendors
  • Digital savvy, great orientation in digital/neo banking industry and recent financial innovations
  • Fluent English 

What we offer:
  • You’ll work in an international agile team with a start-up culture 
  • You’ll benefit from flexible working arrangements and determine your own work-life balance
  • You’ll benefit from the very latest in tailored professional development
  • You’ll earn an appropriate salary starting at EUR 60.000 gross p.a. including overtime

RBI AG is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ethnicity, race or color, national origin, religion, political or other opinion, gender, sexual orientation or disability.
We are looking forward to receiving your online application!
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