Lloyds Bank GmbH and its brands Bank of Scotland and Lloyds Bank have won over 1 million satisfied customers in recent years. And this thanks to convincing products and, above all, our committed colleagues who want to achieve the best for our customers every day with new ideas, challenges and joy. In order to continue writing our success story, we are looking for the right reinforcement for our teams, because all our ambitious goals would be unattainable without teamwork. We also welcome career changers.

For our office in Berlin Mitte we are looking for a

Credit Risk Business Analyst – German Mortgages (m/f/d)

You will be the business analysis lead for credit‑risk change and BAU improvements across the German Residential Mortgages portfolio. Partnering with Product, Underwriting, Collections & Recoveries, Finance and Compliance, you'll translate regulatory and risk‑management requirements into clear epics, features, and user stories, then support delivery to ensure safe, compliant and data‑driven mortgage operations end‑to‑end. You have a strong knowledge of Mortgage back-office processes and regulatory requirements, especially in relation to intensified and problem loan management.

Requirements, Design & Delivery (mortgage credit risk change)

• Elicit, challenge, and document business and data requirements for the intensified and problem loan management phase of the customer lifecycle (including post-origination monitoring, arrears/forbearance, default, workout, and recoveries).
• Convert business needs into clear user stories and acceptance criteria.
• Act as a subject matter expert to ensure processes and systems are fit for purpose and consistent with regulatory requirements such as Definition of Default (DoD), IFRS 9 impairment/staging, and forbearance reporting.
• Analyse business processes and management information to identify gaps and recommend pragmatic improvements.
• Support user acceptance testing and successful implementation of business changes

Delivery Outcomes

• Ensure clear and complete business requirements and traceability for mortgage risk change initiatives.
• Operationalise regulatory expectations with measurable and reportable compliance.
• Deliver credible management information for risk decision-making, with validated data definitions.
• Achieve positive assurance during internal and external reviews based on comprehensive documentation.

Stakeholder Management & Governance

• Build and maintain effective relationships with key business areas such as Product, Underwriting, Collections & Recoveries, Finance, Legal, and Compliance.
• Facilitate workshops, document decisions, and ensure traceability of business requirements.
• Prepare materials for internal and external reviews, maintain evidence packs, and ensure timely closure of actions with high-quality documentation.

Regulatory Alignment (German Mortgages)

• Ensure that regulatory expectations (e.g., MaRisk/KWG) are embedded in business processes, particularly for loan monitoring and workout activities.
• Collaborate with Collections & Recoveries to maintain effective early-intervention timelines and ensure clarity between policy and process, including interactions with external partners.
• Support the implementation of regulatory requirements into the bank's processes, ensuring timely and accurate identification of defaulted customers and effective portfolio monitoring.

• Bachelor's or Master's degree (or equivalent) in a business related discipline; relevant BA or risk qualifications are an advantage.
• Several years of work experience with regulatory implementation (e.g., MaRisk/KWG) in retail lending, including income information processes and policy-to-process translation.
• Familiarity with arrears and forbearance policy/process development and early-intervention service level agreements.
• Previous professional experience in a comparable position within the financial sector
• Highly analytical approach to problem solving.
• Strong project management and delivery skills.
• Good knowledge of credit risk-related regulatory requirements.
• Fluent written and spoken German and English.

• An international team with colleagues from more than 50 different countries
• Social benefits such as a company pension scheme and capital formation contributions
• 30 days holiday as well as 24 and 31 December as non-working days
• Employee Assistance Programme – personal 24/7 helpline for all employees
• Various possibilities for flexible working, i.a. various part-time models, flexitime
• Extensive, very flexible home office arrangements
• Possibility to work from other EU countries for up to 30 days per year
• Additional benefits such as sports activities, free fruit, nuts and drinks
• Employer contributions to BVG job ticket and a Lease a bike programme
• An informal corporate culture - without dress code and ‘Sie'.
• An excellent learning culture and opportunity to improve your professional competencies
• Easily accessible city centre offices, in the vicinity of many shops and restaurants to which you receive a discount