Head of Risk Management (Head of Risk)

Tasks

• Management of 4 teams (4 direct reports and a total of 10 employees)
• Management of Limits and Exposures
• Business Continuity Management (BCM), Outsourcing
• Interface Risks/Controls, ICS Consulting
• Financial Risks: Interest Rate, Market, Liquidity, and Refinancing Risks
• Maintenance of the company-wide limit system: Aggregation
• Stress Tests and Scenario Analyses
• Non-financial risks: Operational risks, ICT/cyber risks, business continuity, outsourcing
• Regulatory Risks, Assessment, and Management of Insurance Coverage
• Maintenance and Management of the Risk and Control Framework (Interface Risks/Controls)
• Credit Analysis (Exception to Policy): Independent review and approval of exceptions to credit policy (ETP), e.g., non-standard amortization, LTV exceptions, and encumbrances on preferred stock
• Escalation of Major Exceptions to the Credit Committee
• Ongoing reporting on ETP volumes, trends, and “concentration” relative to standard loans
• Monitoring the Quality of the Loan Portfolio
• Credit Recovery: Restructuring and Liquidation Strategies for Non-Performing Loans
• Reporting on Watchlist/NPL Trends to Management
• Group-Wide Risk Management: Establishment and Maintenance of a Group-Wide Risk and Limit Framework (FINMA-RS 2025/4)
• Separation of Powers and Functions: Market/Market Control
• Development and implementation of processes and procedures for risk mitigation and monitoring
• Preparation of reports and presentations for management and the board of directors
• Monitoring compliance with internal and external regulations and guidelines
• Support during the annual budgeting and planning cycle as well as for special projects
• Advising senior management and line departments on risk-related decisions
• Ensuring that the bank's risk-bearing capacity is maintained at all times
• Promoting Digital Transformation in Risk Management
• Continuous improvement of risk management and monitoring
• Identification and analysis of risks, development of measures, and monitoring of their implementation
• Development and Maintenance of Risk Policies and Processes
• Management of the Internal Control System (ICS) and Compliance
• Conducting Risk Reporting and Presentations
• Optimization of Risk Management Processes
• Coordinating collaboration with external audit firms and consultants
• Training and Raising Awareness Among Employees in the Area of Risk and Compliance

Requirements

• A degree in business (from a university or university of applied sciences) or equivalent education, ideally with a focus on finance and/or risk management
• Extensive experience in the financial sector, ideally in banking and/or insurance, and in-depth knowledge of risk management, compliance, and internal controls
• Strong analytical and conceptual thinking skills, as well as the ability to understand complex relationships and develop effective solutions
• A high degree of independence, resilience, and decisiveness, as well as a willingness to take on responsibility
• Strong communication and presentation skills, as well as the ability to explain complex issues clearly