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(Senior) Risikomanager (m/w/d) Kreditrisiko C24 Bank - Job Opportunity at C24 Bank GmbH

Frankfurt am Main, Germany
Full-time
Senior
Posted: August 21, 2025
On-site
EUR 75,000 - 95,000 per year based on Frankfurt market rates for senior risk management positions in FinTech organizations, with potential for performance bonuses and equity participation given the startup environment within an established corporate structure

Benefits

Comprehensive beverage program providing unlimited access to premium drinks, enhancing workplace satisfaction and reducing daily expenses
Extensive professional development catalog with specialized career coaching, positioning employees for accelerated career advancement in the competitive FinTech sector
Full Deutschland ticket coverage eliminating commuting costs and providing unlimited public transportation access nationwide
Corporate bike leasing program with significant financial subsidization, promoting health and sustainable transportation while reducing personal vehicle expenses
Regular team building events and professional networking opportunities fostering collaborative culture and industry connections
Premium central location with exceptional multi-modal transportation access, minimizing commute time and maximizing work-life balance

Key Responsibilities

Strategic oversight and risk assessment of the bank's expanding credit portfolio, directly impacting organizational financial stability and regulatory compliance in the rapidly evolving FinTech landscape
Development and implementation of comprehensive credit risk management strategies that shape the bank's lending policies and drive sustainable business growth
Leadership in creating and validating cutting-edge data-driven models for probability of default estimation, positioning the organization at the forefront of quantitative risk management innovation
Proactive enhancement of financial products through risk analysis, directly contributing to competitive advantage and market positioning in the digital banking sector
Continuous optimization of risk management processes and systems, establishing scalable frameworks that support the bank's aggressive growth trajectory
Expert analysis and strategic implementation of evolving regulatory requirements including CRR and MaRisk, ensuring organizational compliance while maintaining competitive agility
Executive-level presentation of risk assessment findings to senior management and cross-functional collaboration with product development, business intelligence, and treasury teams to align risk strategy with business objectives

Requirements

Education

Abgeschlossenes Master-Studium mit naturwissenschaftlicher Ausrichtung, z. B. Mathematik oder Physik

Experience

Mehrjährige Berufserfahrung im Risikomanagement für Kreditrisiko oder in der quantitativen Modellentwicklung

Required Skills

Kenntnisse der Banken-Regulatorik Analytisch-strukturierte Arbeitsweise mit hoher Lösungsorientierung Hohe Affinität zu Daten und Erfahrung an statistischen Modellen Programmiererfahrung, z.B. in Python oder R Idealerweise Kenntnisse in Tableau Verhandlungssichere Deutschkenntnisse in Wort und Schrift Word, Excel, Power Point
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Sauge AI Market Intelligence

Industry Trends

The German FinTech sector is experiencing unprecedented growth with digital banking solutions gaining significant market share, particularly driven by consumer preference for mobile-first financial services and regulatory support for open banking initiatives. This trend is creating substantial demand for risk management professionals who can navigate both traditional banking regulations and innovative digital lending models. Regulatory technology (RegTech) integration is becoming critical in the German financial services market, with institutions investing heavily in automated compliance systems and real-time risk monitoring capabilities. The implementation of Basel III requirements and evolving MaRisk guidelines is driving demand for professionals with expertise in quantitative risk modeling and regulatory interpretation. Data-driven risk assessment is transforming credit risk management across European financial institutions, with machine learning and artificial intelligence becoming standard tools for probability of default modeling and portfolio optimization. This technological shift is creating premium opportunities for professionals with advanced statistical modeling skills and programming capabilities.

Role Significance

Typically leads a team of 3-5 junior risk analysts and modelers while collaborating extensively with cross-functional teams including product development, business intelligence, and treasury departments, indicating a matrix management structure common in FinTech organizations
This senior-level position carries significant organizational responsibility for credit risk strategy and regulatory compliance, with direct reporting relationships to executive management and substantial influence over lending policies and risk appetite decisions. The role represents a critical function in maintaining the bank's financial stability and regulatory standing.

Key Projects

Implementation of IFRS 9 expected credit loss models and ongoing model validation frameworks Development of real-time risk monitoring dashboards and automated decision-making systems Regulatory stress testing programs and capital adequacy assessments Credit scoring algorithm enhancement and alternative data integration projects

Success Factors

Advanced quantitative modeling expertise combined with deep understanding of German banking regulations will be essential for developing compliant yet innovative risk management solutions in the competitive FinTech environment. Strong cross-functional collaboration skills and ability to translate complex risk concepts into business-friendly recommendations will be crucial for influencing product development and strategic decision-making processes. Adaptability to rapid technological change and startup-pace decision-making while maintaining rigorous risk management standards will differentiate high-performing candidates in this dynamic environment. Programming proficiency in Python or R combined with data visualization capabilities will enable development of sophisticated analytical tools and clear communication of risk insights to diverse stakeholders.

Market Demand

High demand driven by regulatory compliance requirements, digital transformation initiatives, and the expansion of alternative lending platforms in the German market

Important Skills

Critical Skills

Advanced statistical modeling and machine learning capabilities are absolutely essential as the role requires developing sophisticated probability of default models and validation frameworks that meet both regulatory standards and competitive performance requirements in the digital lending space. Deep understanding of German banking regulations including CRR and MaRisk is critical for ensuring all risk management frameworks and models comply with evolving regulatory requirements while maintaining operational efficiency in a fast-paced FinTech environment. Programming expertise in Python or R is fundamental for developing, testing, and maintaining quantitative risk models, as well as creating automated risk monitoring systems that can scale with the bank's growth trajectory.

Beneficial Skills

Data visualization skills using tools like Tableau would significantly enhance the ability to communicate complex risk insights to diverse stakeholders and support data-driven decision-making across the organization. Experience with cloud-based analytics platforms and big data technologies would provide advantages in leveraging CHECK24's extensive customer data ecosystem for enhanced risk modeling capabilities. Knowledge of alternative lending practices and peer-to-peer lending risk management would complement traditional banking risk expertise in the evolving digital finance landscape.

Unique Aspects

The role offers rare opportunity to build credit risk management capabilities from the ground up within a well-funded FinTech environment, providing significant influence over strategic direction and system architecture decisions.
Combination of startup agility with corporate stability creates an unusual environment where innovative risk management approaches can be implemented without typical resource constraints or legacy system limitations.
Direct integration with CHECK24's massive customer data ecosystem provides unique opportunities for developing sophisticated credit scoring models using alternative data sources and customer behavior analytics.
The position offers exposure to both traditional banking risk management principles and cutting-edge FinTech innovation, creating valuable hybrid expertise highly sought after in the evolving financial services landscape.

Career Growth

3-5 years to progress to head of risk management level, with accelerated advancement possible in high-growth FinTech environment

Potential Next Roles

Head of Risk Management or Chief Risk Officer positions within expanding FinTech organizations Risk management consulting roles serving multiple financial institutions Senior risk management positions at established banks seeking digital transformation expertise Risk technology leadership roles at RegTech companies

Company Overview

C24 Bank GmbH

C24 Bank operates as the banking arm of the CHECK24 Group, one of Germany's largest online comparison platforms, providing significant technological infrastructure and customer acquisition advantages. The organization combines the financial backing and stability of an established digital enterprise with the agility and innovation focus of a financial technology startup.

Strong market position leveraging CHECK24's established customer base and digital marketing expertise, with significant competitive advantages in customer acquisition costs and cross-selling opportunities within the broader CHECK24 ecosystem
Frankfurt location provides access to Germany's primary financial center with proximity to regulatory bodies, established banking institutions, and a deep talent pool of financial services professionals, while maintaining connections to the broader European financial market
Startup-style culture emphasizing rapid decision-making, individual contribution, and collaborative problem-solving, supported by the resources and stability of an established corporate parent organization
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