Manager Credit Risk & Models ICS

Your job

Customer and market behavior, technology and new legislation and regulations are constantly changing. As Manager Credit Risk & Modelling your challenge is for you and your team to respond quickly and adequately to these changes from a credit risk management perspective. You use your expertise to recognize and assess the credit risks associated with the various phases of the credit life cycle and to draw conclusions from your findings. The customer is the most important starting point. To implement a balanced risk policy, it is essential to monitor the performance of the portfolio in a sustainable and transparent manner. You find it challenging to take ICS to a higher level in terms of credit policy and processes and associated models (first-line risk management and ownership in the Three Lines of Defense Model). You are a strong communicator and create support among your stakeholders by implementing activities in your field. As Manager Credit Risk & Models you report directly to the Head of Products.

In your role as Manager Credit Risk & Models, you are responsible for: 

• Interpreting Credit regulation, creating the (ICS) Credit Standards, policies and implementing these standards and policies. 
• Advising on, monitor and implementing the ICS and ABN AMRO Credit Risk policies (The Credit Risk Standard) and guard that the 1st and 2nd line and management take their responsibility.
• Balancing the interests and risk/return ratio in the development and implementation of policies and integrated credit risk activities.
• Complying to applicable laws and regulation.
• Keeping abreast of the relevant internal and external developments within the field of credit risk and modelling and identifying the consequences for our credit risk.

Your profile

Ideal experience 

• Over 5 years of experience in Credit Risk Management and Modelling
• A proven track record within Credit Risk 
• Excellent verbal and written skills, both in Dutch and English
• Knowledge of business administration and internal policies and external legislation and regulations regarding (credit) risk, legal and compliance
• Knowledge of and experience with the “Three Lines of Defense risk management model”
• Knowledge of (inter)national financial markets and regulators, (inter)national compliance with EBA laws and regulations

Specific knowledge 

• Extensive experience with, and knowledge of risk modelling
• Knowledge of loan origination and credit risk
• Experience in working with frameworks and rules (policy)
• Provide (strategic) advice that focuses on a sustainable risk-reward ratio of the portfolio

Leadership attributes

• Encourages and empowers your team members to challenge the status quo
• Initiate changes, identify and qualify the risks and implications of credit risk initiatives
• Drives team collaboration and execution by setting clear, ambitious goals, underpinned by the organization's core values
• Regularly reviews team progress, championing core values and focusing on strategic and long-term success

Other personal characteristics

• Demonstrates high risk awareness and decision-making capabilities, excels in stakeholder management, and embodies the organization's core values
• Embraces the organization's values, leading by example to promote a positive, engaging, and results-oriented work environment
• Demonstrates ownership by taking responsibility for one's actions, decisions, and their consequences, demonstrating accountability and commitment towards achieving goals or resolving issues

Your work environment

International Card Services (ICS) is a 100% subsidiary of ABN AMRO Bank N.V. with its own independent bank license with DNB and AFM. ICS is a payment service provider and market leader in issuing credit cards in the Netherlands. We have been issuing, promoting, administrating, and processing payments of Visa and Mastercard credit cards for over 30 years. ICS issues credit cards both under its own brand and in conjunction with co-branding partners, for both Consumer and Commercial clients. In addition, we offer various other financial services and products. Our credit cards can be used Worldwide to pay at more than 46 million addresses and in any currency. In the Benelux there are now about 2.7 million people with a credit card issued by ICS. Our customers not only pay carefree everywhere, but also with extra security: their purchases are insured, and we guarantee delivery. Our purpose ‘Carefree Payments’ and our vision and our mission ‘We offer our customers and partners relevant, sustainable and secure payment products’ are at the heart of all our activities. We believe that this sets us apart from other companies. In other words: a solid reason to choose ICS. In our view, reliability, security, and carefree payment should go hand in hand. We unburden our customers when it comes to payment solutions. And offer them the opportunity for carefree payments everywhere. In this way we contribute to a safer society and increase confidence in our financial institutions. The culture within ICS can be described as helpful, people-oriented, and service-oriented. Service is in the genes.

We offer

We are offering you the opportunity to be the best you can be and lots of room to grow personally and professionally, the opportunity to pro-actively work on your vitality and fitness. We also offer you a great atmosphere with enthusiastic and driven colleagues and the chance to be in the middle of a large organisational transformation. On top of that we offer you:

• The gross monthly salary (min. Eur. 6.793 - ma. Eur. 9.704) is based on a 36-hour work week, including vacation pay and benefit budget.A 40-hour work week is also possible. Salary (scale) is based on the knowledge, experience and potential you bring.
• The Benefit Budget is 11% of your salary. The Benefit Budget allows you to acquire additional employment benefits. If you make no purchases or reservations in the Benefit Shop in a given month, you are paid one twelfth of your Benefit Budget that month.
• Five weeks of vacation per year. You have the option to purchase an additional four weeks per year.
• Personal development Budget of € 1,000 per year, which you can accumulate up to € 3,000.
• Possibility to work from home (in consultation with your team).
• An annual public transport pass with free public transportation throughout the Netherlands.
• An excellent pension scheme.

Interested?

Please apply to this vacancy online and include your resume and motivation letter. If you want to know more about this vacancy? Please contact Sophie Haverkamp (Sophie.haverkamp@icscards.nl). Let’s connect!

Equal opportunities for all

Het succes van onze organisatie staat of valt met de kwaliteit van onze mensen en de ideeen die zij hebben. Echt verrassende inzichten en innovatieve oplossingen voor onze klanten ontstaan door een samenspel van culturen, kennis en ervaring. Daarom is diversiteit voor onze organisatie ontzettend belangrijk. Om ervoor te zorgen dat alle collega's binnen ABN AMRO hun kwaliteiten kunnen ontplooien, stimuleren we een inclusieve cultuur waarin iedereen zich betrokken en gewaardeerd voelt.

Disclaimer external recruitment agencies 

Externe recruitmentbureaus dienen een overeenkomst met ABN AMRO BANK N.V. te hebben getekend, uitgegeven door een Talent Acquisition Specialist, om cv's te mogen indienen. Acquisitie wordt daarom niet op prijs gesteld.