Risk Specialist Credit Risk

About ASN Bank

Banking is about more than just money – it's about creating real impact. ASN Bank creates value for 3 million customers and drives positive societal change. To realize our vision, we are transforming to grow significantly and amplify our impact for millions more people.

The Role

As Risk Specialist Credit Risk, you play a crucial role in managing the credit risk of ASN Bank. You perform second-line risk management with a focus on credit risk management, spanning the entire cycle from origination and customer service to loan management and settlement. In this diverse and challenging role, you contribute to a bank that stimulates sustainable change and positively impacts lives throughout the Netherlands.

You work across ASN Bank's complete credit risk landscape, overseeing all credit portfolios including residential mortgages, SME, sustainable project finance, and consumer loans. You handle complex risk matters and drive improvement programs.

Your Responsibilities

Tactical Credit Risk Advisory & Policy Development

• Develop and maintain risk management policies and risk appetite frameworks;
• Take regulatory developments into account for ASN Bank’s Credit Risk Management;
• Provide solicited and unsolicited advice on credit risk-related topics.

Credit Risk Assessment & Monitoring

• Execute portfolio monitoring and management reporting;
• Take data management aspects into account for reporting purposes (BCBS 239);
• Fulfill second-line role regarding credit provisions (IFRS 9);
• Conduct performance evaluations and credit inspections;
• Analyze credit risks across all credit portfolios.

Organizational Development & Change Management

• Link developments in processes or automation (systems) to the Credit Risk and oversee/manage potential consequences;
• Support risk management initiatives and promote organization-wide collaboration;
• Ensure continuous improvement of risk management practices and regulatory compliance.

Stakeholder Collaboration & Communication

• Collaborate with first-line stakeholders such as Lending and CSMO;
• Work closely with other teams within Risk Management;
• Collaborate with Compliance and Finance.

Your Home Base

You will join the team of Credit Risk management experts and are part of the Financial Risk Management department. At ASN Bank, we value people and foster a collaborative, non-hierarchical environment where your voice matters. Our size enables genuine personal impact, while diverse responsibilities will accelerate your professional growth.

Your Competencies

You operate with flexibility and an agile, solution-oriented approach. Your strong communication and influencing skills enable you to effectively engage stakeholders, while maintaining focus on the big picture across multiple demanding responsibilities.

Your Background

• Education: University degree (WO) in finance, economics, mathematics, or related field;
• Experience: 7+ years of experience in credit risk management within banking/financial institutions, consultancy, or with demonstrable expertise in credit risk;

What You Get From Us

• The gross annual salary for this position ranges between €77,919.4 and €108,775.48 (scale 11) based on a 36-hour work week (including 13th month and holiday allowance).
• Individual choice budget (IKB) – you can choose when to receive your holiday allowance and thirteenth month
• 208.8 vacation hours with full-time employment
• Good collective pension scheme
• Excellent work-life balance
• Personal training budget of €750 per year (saveable up to €2,250)
• Every 5 years a budget of €900 to set up your home office
• NS Business Card and kilometer allowance for cycling to work
• Bike plan to purchase a bicycle at low cost
• Partially paid volunteer work
• Vitality program with workshops and coaching for your mental and physical health

Will You Be Our New Colleague?

Shape (y)our tomorrow at ASN Bank in Utrecht.

Maak je sterk voor morgen. Start vandaag.

Bij ASN Bank houden we van aanpakken. We dromen niet over later, maar werken aan concrete doelen voor de komende 3 jaar. Samen bouwen we aan een bank die klaar is voor de toekomst. Een organisatie waar we met elkaar het verschil maken – voor onze klanten, voor elkaar en voor de wereld om ons heen.

Heb jij lef, hart en ambitie? Dan krijg je bij ons het vertrouwen én de ruimte om echt iets bij te dragen. Zodat we in 2028 vol trots en overtuiging kunnen zeggen:

“Wij zijn ASN Bank, een toegankelijke, vooruitstrevende bank met oog voor mens en maatschappij.”

Maak je sterk voor morgen.
Start vandaag.