Business Expert Competence Center Provisioning

Business Expert Competence Center ProvisioningRisk

• Hybride
• Utrecht
• Nederland
• Fulltime

Business Expert Competence Center Provisioning

Just imagine contributing to the development and continuous improvement of Rabobank's problem loan management with focus on default data, which is  one of the key elements within the credit risk life cycle and one of the Critical Execution Priorities of Rabobank.

You and your job:

As a Business Expert you are a member of the Competence Center Provisioning Squad within the Area Credit Risk Assessment and Mitigation (CRAM) as part of Tribe CreditCore. You will make the difference by focusing on regulatory and business requirements, policy specifications, process and governance aspects as well as implementation support to improve default data collection. In your role you closely collaborate with your stakeholders within CreditCore and other tribes and departments in Rabobank - both nationally and internationally.

Your work environment withing Tribe CreditCore:

CreditCore is responsible for all centrally managed credit risk business capabilities, meeting business units' expectations, so that they can optimally perform their end-to-end credit process for the client and ensure regulatory compliancy by design. Credit Core Tribe is an integral part of the Enterprise Risk department within the CRO-domain.

Within Tribe CreditCore, around 60 people within five squads work in Area Credit Risk Assessment and Mitigation (CRAM) organized around three clear purposes:

We enable an efficient and compliant assessment of the financial performance and risks of business clients, by supporting our account managers with the right tooling and insights.

We define requirements for loss data components to mitigate credit risk Rabobank Group wide to reduce the cost of required capital. 

We support special asset management, by i) guidance on forbearance and ii) tooling for account managers workflow and provisioning iii) to perform a viability & cost benefit analysis of the strategies at hand.

We also provide framework/requirements for provisioning, write-offs and default data on financings of clients which are not expected to repay their loan.

The Competence Center Provisioning Squad, as one squad within Area CRAM, takes care of the default data, credit risk provisioning and write-off processes by identifying areas of enhancement, elaborating approaches to improve process, governance, data and IT to help the Rabobank having automated, user-friendly and state-of-the-art default data, credit risk provisioning and write-offs processes in place.

Your role as Business Expert in the CCP Squad:

As a Business Expert you are key to fulfil our purpose and be a driving force for improving the default data. You get better with us and we get better with you!  Are you ready for something new? Then let's shake hands and get to know each other.

As Business Expert you will be:

• Identifying, collecting and analysing the organisational needs, clarifying the problem definition if necessary, and translating the needs into solution directions.
• Assessing the technical and functional applicability, feasibility and regulatory compliance of the proposed solution direction.
• Contributing to or realising policy plans, setting frameworks or goals. Keeping track of relevant developments, identifying bottlenecks and translating them into policy. Advising on improvement or development of policy.
• Ensuring the development and implementation of the solution, by working together with internal and external developers, testers and other colleagues, preparing the implementation and transferring knowledge to users.
• Designing organisational structures and end-to-end processes.
• Advising the business on new solutions and giving direction on what the solution should look like.
• Acting as a sparring partner on subject matter issues and delivering business value.
• Perform or coordinate activities involving good cooperation with internal and/or external stakeholders in the execution of the work.
• Developing and maintaining a network of relevant internal and external stakeholders.
• Keeping track of relevant (internal and external) developments, identifying bottlenecks and advising on improvement or policy development.

You and your talent:

This is familiar territory for you:

• Knowledge of national and international credit risk regulations and requirements (IFRS 9, EBA, ECB, DNB).
• Affinity with credit risk management along the entire credit life cycle with focus on:
  • Problem loan management.
  • Default data, credit risk provisioning and write-offs processes including accounting-relevant aspects.
• Experience in transposing regulatory requirements into policy, business and data requirements.
• Strong analytical skills and experienced in process-based and problem-solving thinking.
• Team player focused on results, without losing sight of details.
• Outcome-driven attitude.
• Stakeholder relations and management skills.
• Agile mindset and way of working.
• Master degree.
• Fluent in English language capability (both verbally and in writing).
• Microsoft Office, especially good PowerPoint, Excel and Visio skills;

It would be a bonus if you already have experience with:

• Agile, Scrum, Lean, Aris, Azure DevOps, PowerDesigner and Collibra.
• Regulatory Reporting such as COREP, FINREP etc.
• Data analysis and expected credit loss calculation.

This is what we offer you:

• Based on your experience: up to € 5.811 gross per month (scale 9) or up to €6.926 gross per month (scale 10).
• Thirteenth month's salary and 8% holiday allowance.
• An extra budget of 11% of your gross salary to be used at your discretion. Buy extra holiday hours, add more to your pension savings or ask for part of the extra budget to be paid out.
• A desk, chair and monitor to set up your home working space and a monthly home working allowance of up to € 40.
• A personal development budget of € 1.400.
• A combination of working from home and at the office.
• 100% reimbursement of commuting costs if you travel by public transport.
• A pension scheme to which you contribute 3.5%.
• 151.2 hours holiday per year + 1 Diversity Day per year.

This is a selection of the terms of employment  based on a 36-hour working week. You can find all terms of employment on rabobank.jobs/en/conditions-of-employment.

You and the job application process:

• You can find answers to the most frequently asked questions on https://rabobank.jobs/en/faq/.
• A security check is part of the process.
• We respect your privacy.
• Everyone is different, and it is exactly those differences that help us become an even better bank. That's why we want to know who you really are!

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Solliciteren

In 5 stappen

We leren je graag beter kennen.

Stap 1

Sollicitatie

Leuk dat je solliciteert! Wij nemen alle cv's en brieven door. Na sluitingsdatum krijg je zo snel mogelijk een reactie.

Stap 2

Eerste gesprek

Je maakt online kennis met meestal je leidinggevende en een directe collega. We willen weten of je bij de functie en het team past. En jij hebt vast ook veel vragen aan ons.

Stap 3

Tweede gesprek

We willen je graag een tweede keer spreken. Bij dit online gesprek gaan we dieper in op de inhoud van de functie en spreek je vaak nog met een andere collega.

Stap 4

Aanbod

Ben jij de nieuwe collega die we zoeken en word jij ook blij van ons? Dan krijg je een goed aanbod per e-mail. Bij sommige functies moet je eerst nog een assessment doen.

Stap 5

Screening

Tijdens de screening onderzoeken we of je betrouwbaar genoeg bent om voor Rabobank te werken.

Solliciteer op deze functie

Business Expert Competence Center Provisioning

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