Senior Credit Overdraft Analyst (m/f/d)

Definition and further development of acceptance rules, decision logics and credit lines for dispocredits and current accounts. design and control of the credit and overdraft decision framework along risk, earnings and customer protection requirements. Monitoring and analysis of the performance of the overdraft and credit line portfolio (e.g. utilisation, delinquence, losses, profitability). Translation of risk parameters and quantitative model results into enforceable credit-related decision and business rules. Development, care and responsibility of the Loan Guide for Current Accounts including end-to-end processes, controls and escalation paths. Identification of deviations, loss drivers and customer friction as well as derivation and coordination of appropriate measures. Close cooperation with risk, product, IT, operations, compliance and debt collection to implement and develop rules and processes. Supporting credit governance through reporting, analysis and decision bases.

Complete economic studies or a comparable qualification (alternative bank training with relevant professional experience) Multiannual experience in private customer credit business, ideally focusing on dispo loans, current accounts or credit lines Understanding credit risk management, acceptance strategies and credit policy in the digital environment Strong analytical skills to evaluate portfolio performance and derive data-based decisions Proven, multi-year professional experience in the translation of models and risk analyses in operational decision logics, programming languages SQL, Python or R Very good documentation and structuring capability (e.g. credit manuals, guidelines, process descriptions) Embossed stakeholder management as well as a self-responsible, structured way of working Very good knowledge of German and English in word and writing

30 days holiday and not to forget: the additional two bank holidays on the 24th and 31st December Attractive salary package: 13 salaries, annual bonus, cash benefits Spatial flexibility: up to 60% mobile work and work Grant for the Deutschlandticket Early bird or night owl? Flexible working hours with attractive sliding time model Our social and green commitment in everyday life manifests itself in our work on numerous valuable ESG and CSR projects for better living together in the environment and society Work & Life: with our partner voiio (Employee Assistance Program) we support you in professional and private life. From everyday questions to emergency help - here you will find everything from coaching, mediation, live events and many more great offers Whether soft skills or professional know-how: we are investing with you in your development with trainings, conferences, LinkedIn learning and much more Health: our employees are important to us - that is why we support their physical and mental health with various health services such as preventive and health care Before work, in the break or after evening: Train for free at the gym on our premises For our We: Enjoy summer holidays, Christmas holidays and team events Attractive employee benefits: Healthy staff support in the office, free water, coffee & tea, vitaminkick: regular fruit and vegetable basket, bicycle leasing, employees advertise employees, corporate benefits, employee loan Occupational pension and participation in shares at special rates