Head of Credit Risk - Belgium

Brussel, Brussel-Hoofdstad, Belgium

€ 100.000 - 125.000

Do you want to make a difference and contribute to creating a better world? Are you interested in developing your skills and knowledge, while putting your ideals to work? Join us, we are a frontrunner in ethical banking and global impact investing, and we need people like you to make change happen.

We believe that money can change the world for the better. In fact, our organisation was founded on this belief. Our mission is to create a society that protects and promotes the quality of life of all its members with human dignity at its core.

Function

Follow your heart. Use your head.

Money always sets things into motion.

At Triodos Bank, with our 1,700 coworkers, we are making money work for positive societal change.

Inspired by this mission, for 40 years we have been financing businesses, organisations and

projects that seek to achieve positive change in societal, environmental and cultural domains.

We are enabled to do so by our customers and investors who wish to contribute to sustainable, fair and humane society.

We only invest in the real economy and do not trade in complex financial products.

Furthermore, we make a point of knowing all the sustainable entrepreneurs that choose to bank with us.

People make the difference: we at Triodos Bank know that all too well.

Together we actively contribute to a sustainable society, starting of course with our coworkers.

JOB PURPOSE

Manage a team of credit risk specialists and credit risk analysts to ensure that credit risk policies, procedures, and standards are observed and adhered.

Implement strategies to improve the performance of a risk portfolio.

The Head of Credit Risks is responsible for credit risk within a certain sector and responsible for special management.

The Head of Credit Risk reports to the Group Director Credit Risk.

RESPONSIBILITIES

Develop and/or deliver a contingency plan for significant aspects of the credit risk management and/or control process and within a sector.

Financial Management and Control

Develop and/or deliver a plan for significant aspects of the financial management and/or control process.

Policies and Procedures Development

Draft policies, procedures, and related guidelines within an area of expertise to meet defined key principles and ensure compliance with external requirements.

Analyze and assess the risks associated with products/individual applications/new business areas/the market to quantify risk and ensure it is within the agreed risk appetite.

Leadership and Direction

Communicate the actions needed to implement the function's strategy and business plan within the team; explain the relationship to the broader organization's mission, vision and values; motivate people to commit to these

and to doing extraordinary things to achieve local business goals.

Data Collection and Analysis

Make authoritative recommendations that have a significant impact on the business over the short and long term. Recommendations could be technical or professional in nature.

Performance Management

Develop and propose performance objectives; take appropriate actions to ensure achievement of agreed objectives, using the organization's performance management systems to improve personal performance.

Audit Compliance

Manage a portfolio of audit assignments, ensuring that the team plans and delivers audits that cover identified risk areas and that appropriate corrective actions are agreed on with auditees.

Resolve issues arising from audits and refer serious or contentious issues to the audit program leader.

Operational Compliance

Maintain and renew a deep knowledge and understanding of the organization's policies and procedures and of relevant regulatory codes and codes of conduct, and ensure own work adheres to required standards.

Profile

• You support Triodos Bank's mission.

• You have a university degree (or equivalent through experience) and extensive work experience in the field of credit risk.

• You have a strong sense of responsibility, a good understanding of the regulations and good judgement

• You are able to understand complex business structures. You have a good understanding of the financial aspects of different business entities and the mechanisms of a financial balance sheet. You can think strategically and process-wise. Experience with the implementation of complex projects and programs is a plus.

• You can question ideas in a constructive way and propose alternatives.

• Strong numerical insight, e.g. for risk simulations, is an asset.

• You are bilingual and an excellent English-speaking communicator, both verbally and in writing.

• You have strong analytical and problem-solving skills. You will build good working relationships, which is essential for your intense collaboration with Front Office.

• You are an efficient team player who can convince.

Offer

The most important thing about working with us is that you are part of community that is changing the world for the better. We are constantly improving our work culture to create conditions where every person can thrive, so you are able to:

find a sense of meaning in your work

create positive energy and impact with your co-workers

build mutual trust and respect in working relationships

enjoy fulfilment at a professional and personal level

A comfortable working environment

Our sustainable office is based in Brussels, just a 3 minutes’ walk from the train station. Combined with working from home, it is an inspiring place to work and connect with your colleagues.

And of course, great remuneration and working conditions:

a salary appropriate to the position, our remuneration policy and your experience

an attractive group insurance

a company car

other mobilty solutions

flexible working hours and the opportunity to work from home

32 holiday days

a range of education and training opportunities

our collective health insurance

a working from home allowance

Sounds interesting?

If you feel that you want to make a difference, don’t hesitate to join the Triodos community by applying for this role.

Everyone is welcome to join us. Our culture is built on values that aim to benefit both society and individuals. We are committed to equity and diversity, and we value everyone’s perspective. We strive to create an environment in which all co-workers and our broader community can feel safe and included.

This website is hosted on environment friendly servers.

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