Product Owner – Credit Risk Policy (f/m/x)

Job Overview

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.

Product Owner – Credit Risk Policy (f/m/x)

RBI Agile Delivery Retail Digital Tribe is looking for Product Owners to strengthen its delivery teams. The Tribe is in charge of one of bank’s largest digital innovation project. The project aims for building up a new digital end-to-end retail banking business model and plans to roll it out across multiple countries in Europe. Product owner will join a delivery team and get entrusted a substantial part of a solution design and implementation. As the project is being formed now, this is very unique, and maybe once-in-a-lifetime opportunity, taking an active role in a new greenfield digital banking business build up right from the beginning.

What you can expect:

  • Develop the major part of credit risk management function (incl. risk decision-engine for automated loan underwriting and some tools for portfolio credit risk monitoring)
  • Set up the credit risk policy (knock-out criteria, scoring, credit capacity calculation, disposable income definition, etc.) and the fraud policy for a specific business model
  • Define and lead implementation of the fraud policy, identify/govern treatment of the suspicious loan applications
  • Formulate requirements for credit bureau service providers, supervise integration with credit bureau and event. other third parties
  • Ensure the allocated part of digital lending product backlog is ready for development, orchestrate new credit risk related requirements’ inflow and build a shared understanding of the credit risk assessment domain with IT delivery teams
  • In the initial product delivery phase: prepare and break down solution epics into user stories, elaborate user stories into acceptance criteria, discuss requirements with IT architects, prepare and support sprints grooming and planning sessions
  • Drive end-to-end implementation of credit risk related requirements, make sure the team has an adequate workload and the backlog is up to date
  • Review delivery teams’ results in terms of compliance and assist in troubleshooting
  • After a product roll-out: continuously monitor and manage portfolio from credit risk perspective, run tests, maintain a product backlog for continuous product innovation
What you bring to the table:
  • University degree or equivalent working experience
  • Over 5 years of relevant credit risk management experience preferably in retail credit policy and underwriting and/or retail loans portfolio risk management in a financial institution
  • Previous project and/or project stream management experience
  • Previous experience in business analysis and implementation of risk-related IT solutions
  • In-depth knowledge of consumer lending practices on the Austrian and other CEE markets
  • Good knowledge of Digital banking
  • Drive for results and customer focus
  • Strong communication and presentation skills
  • Fluent English
  • Willingness to travel
What we offer:
  • You’ll work in an international team at a leading bank
  • 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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