Credit Risk officer, Subscription Finance EMEA,VP

Position Overview

Job Title: Credit Risk officer, Subscription Finance EMEA, VP

Location: Mumbai, India

Role Description

• The Chief Risk Office function has Group-wide responsibility for the management and control of all credit, market, operational, enterprise and liquidity risks and has the responsibility of continual development of methods for risk measurement, frameworks and creating a bank wide strong risk culture.
• Deutsche Bank's Wealth Management business is one of the largest wealth managers worldwide. We offer our clients a broad range of traditional and alternative investment solutions, as well as comprehensive advice on all aspects of Wealth Management.
• As a trusted partner of wealthy individuals and entrepreneurs, family offices and foundations, we create lasting value for clients.
• We specialise in developing bespoke solutions for our clients around the world, for instance wealth planning across successive generations and international borders, asset management with individual risk management, loans and deposits.
• All this is possible thanks to our global network, our many years of experience and our close collaboration with the Corporate Bank, Investment Bank and DWS.

What we'll offer you

As part of our flexible scheme, here are just some of the benefits that you'll enjoy

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

Within the risk management of EMEA's Subscription Finance team:

• With PB Risk Appetite Statement and the specific Underwriting Standards for Subscription Finance, analysis, negotiation and approval of tailored fund finance transactions (capital call / subscription facilities) covering the European Subscription Finance portfolio
• Interface directly with UK based front office staff on credit approvals, credit requirements and relationship matters liaise with clients (when required). Work with the Lending team (1st line of defence) and Relationship Managers to manage risk and try to find an optimal solution. Provide timely, transparent communication on the decision-making including risk analysis and approval conditions to the key stakeholders
• Help robustly monitor the portfolio and ensure pockets of risks within the portfolio are timely identified - be aware of global, regional and local market events and their potential impact on the portfolio. Ensure portfolio quality remains satisfactory, and any risk concentrations and risk limits do not exceed defined risk appetites and are compliant with risk policies and regulations
• In liaison with Lending, maintain a clean shop with good discipline ensuring trades are properly booked / recorded / covenants and conditions timely monitored / credit terms correctly documented / risk reporting systems contain timely and accurate information
• Participate in regular quarterly committees, quarterly portfolio monitoring together with Lending and Relationship Management.
• Support its direct manager as required in its EMEA and Global Coordinator role
• Train further junior team member in Frankfurt
• A credit authority will be assigned once justified

Your skills and experience

• Minimum 7 years relevant work experience in corporate or investment banking credit and structured finance in major international financial institutions
• Ideally, understanding of Wealth Management lending products.
• Strong understanding of loan structures and loan documentation
• Proven track record in working with front office to improve deal structures to protect the organisation
• Strong communication skills (both written and verbal skills) with an ability to write concise reports
• Have an open mindset and respects opposing views from different stakeholders
• Possesses analytical skills and an independent decision-maker with ability to support or defend conclusions
• Strong MS Office skills and eagerness to use AI tools (Co-Pilot/DB Lumina).
• Team oriented, flexible, diligent, self-motivated and willing to lead and train junior teammates someone who aspires to raise the bar
• Ability to work under pressure and deadlines as well as working with front-office staff in amicable manner
• Fluent English both written and verbal.
• The role will have direct reporting to the London based Head of EMEA Subscription Finance / Global Coordinator Subscription Finance (ad-interim Geneva based EMEA Head Risk Wealth Management).

How we'll support you

• Training and development to help you excel in your career
• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs

About us and our teams

Please visit our company website for further information:

We strive for a in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.
Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.
We welcome applications from all people and promote a positive, fair and inclusive work environment.