Senior Risk Expert (m|f|x) Vienna

BAWAG Group is the publicly traded holding company of BAWAG, which, with more than 4 million customers, is one of the largest banks in Austria. As a dynamic employer, we nurture talent and drive technological innovation forward at a rapid pace. Flat hierarchies, a flexible work environment, and equal opportunities for our employees are particularly important to us.

Tasks

• Leasing Process Automation and Digitalization
• Drive automation, digitalization, and system enhancement initiatives across the leasing lifecycle.
• Define business requirements and coordinate implementation with IT, Operations, and business stakeholders.
• Support the development of automated underwriting and decision engines.
• Improve process efficiency, data quality, and straight-through processing rates.
• Residual Value Framework and Asset Risk Management
• Redevelop and maintain the residual value framework and decision matrix.
• Monitor residual value performance and recommend risk mitigation measures.
• Support the development of asset-specific risk parameters and portfolio monitoring standards.
• Coordinate with external providers and market experts regarding asset valuations.
• Fraud Prevention and Operational Risk Management
• Design and enhance fraud prevention controls across leasing origination and servicing processes.
• Identify emerging fraud patterns and recommend preventive measures.
• Support the implementation of automated fraud detection and monitoring capabilities.
• Perform root cause analyses and coordinate remediation activities.
• Leasing Risk Framework and Governance
• Enhance overall leasing risk management standards, policies, and governance structures.
• Ensure alignment with regulatory requirements, Group policies, and internal control standards.
• Develop management information, KPIs, and risk reporting.
• Support audits, regulatory reviews, and the implementation of corrective actions.
• Credit Decision-Making and Override Governance
• Review and assess policy exceptions and override requests.
• Ensure that overrides are appropriately justified, documented, and monitored.
• Analyze override trends and recommend improvements to policies or processes.
• Support delegated authority and decision-making governance frameworks.
• Process Improvement and Strategic Projects
• Lead initiatives to improve retail and SME leasing risk processes.
• Identify operational inefficiencies and implement sustainable solutions.
• Support new product development, market expansion, and portfolio optimization initiatives.
• Serve as a subject matter expert on leasing risk, underwriting, and asset financing topics.

Profile / Your qualification / Your personality

• A university degree in finance, economics, business administration, mathematics, or a related field.
• At least 5 years of experience in leasing, credit risk management, underwriting, or risk operations.
• Strong understanding of asset finance, residual value risk, credit underwriting, and fraud prevention.
• Experience managing transformation, digitalization, or automation projects.
• Excellent analytical, communication, and stakeholder management skills.
• Fluent in German and English.

Key Competencies

• Leasing and asset finance expertise
• Risk management and governance
• Process optimization and automation
• Data analysis and decision-making
• Project and stakeholder management
• Regulatory awareness
• Strategic thinking and execution

Success Metrics

• Improved automation and operational efficiency.
• Reduction in manual processing and operational losses.
• Strengthened fraud detection and prevention controls.
• Sustainable residual value risk performance.
• High-quality and consistent credit decision governance.
• Successful implementation of strategic leasing transformation initiatives.

That awaits you

• You will spend 50% of your working time in our modern and easily accessible office at Vienna Central Station.
• We support your personal development and career planning with a personalized and attractive training program. Visit our BAWAG Academy and use our GoodHabitz e-learning platform to further both your professional and personal growth.
• In addition, we offer a range of interesting and valuable additional benefits.

For this position, the collective bargaining agreement stipulates a minimum annual gross salary of €47,255.60 on a full-time basis. Depending on your experience and qualifications, we are willing to offer a higher salary.

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Contact

Location

Wiedner Gürtel 11, AT-1100 Vienna