Expertise Lead Credit Provisions Office

Expertise Lead Credit Provisions Office

We are looking for a head of department (“lead”) of our newly formed Credit Provisions Office (CPO) department. The CPO department is responsible for determining the credit provisions for all material portfolios of the Bank. And also for the periodic process to determine provisions through the IFRS 9 models and overlays, and for model ownership and data ownership that comes along with it.

What will you do?
The teams create management information that facilitates senior management to proactively steer the risk profile of the Bank. You are responsible for the performance of the department and for integrated Human Resource management for colleagues working in the CPO department. Your role focuses on prioritization for the medium term, formulating long-term strategy for department management, and setting vision for the Volksbank approach to provisions and IFRS 9 modes.

This is where you'll work
The CPO department is one of the six departments in the Quantitative Risk Management (QRM) division. QRM is responsible for facilitating quantitative approaches (such as models) as a first line function within the CRO domain. The CPO department closely collaborates with other departments within QRM. In particular, the CPO department works with the Provisions and Stress Test Models (PSM) department which develops and implements IFRS 9 and pillar II models, and with the Backbone Risk Modelling (BRM) department which builds fundamental solutions on which various models are based. The lead of the Regulatory Capital Office (RCO) department, which is the model owner and main user of IRB models, has a role comparable to yours.

Way of working
The QRM division has a way of working that revolves around the management of “epics” that are allocated to and managed by leading seniors. Leading seniors escalate to you whenever they cannot manage the challenges on the epics within their teams and with their stakeholders. As the lead, you escalate to MT QRM and the director QRM. Progress and status are recorded in online tooling and presented in a physical Obeya Room. Currently, the teams are working on the finalization of IFRS 9 model implementations, as part of a larger project with major deliverables in Q4 2025. At the same time, new initiatives have recently started which focus on deliverables in 2026.

Responsibilities

• You are accountable for the delivery of solutions within the scope of the CPO department.
• You directly manage +/- 10 colleagues with a focus on their personal growth.
• You organize the CPO department, in particular through leading the leading seniors.
• You are a member of the Management Team of QRM.
• You participate in Steering Committees of relevant projects.
• You report to formal committees to explain the level of provisions.
• You cooperate with other leads within QRM to ensure effective and efficient functioning of QRM.
• You manage resources allocated to the department.
• You prioritize the efforts of the teams on the basis of epic planning.
• You cooperate with a wide range of parties in the Bank.

Leadership
As a lead, you are decisive, result-oriented, and entrepreneurial. You inspire, stimulate ownership, and build strong teams. With transparent communication and a people-oriented approach, you create an environment in which employees grow and excel. You are a role model of our core values – Honest, Personal, and Entrepreneurial – and thus contribute to the success of our team and the organization.

Your qualities

• Academic (WO) degree in a relevant subject.
• 10-15 years of work experience in a comparable context.
• 2-5 years of experience in a similar management position.
• Ability to coach and manage colleagues on skills and content knowledge.
• Fitting leadership style to help improve the organization.

What do we offer?
This position is in scale 13 with a salary range between €91.396,- and €140.609,- gross annual fixed income (13th month and 8% holiday allowance included) and based on a 36-hour workweek. In addition, you can count on:

• Flexible layout with, for example, 4x9.
• Holiday allowance and a thirteenth month.
• 208.8 hours of leave based on full-time employment regardless of your age.
• A good collective pension scheme.
• Good work-life balance and we are flexible in working from home.
• Good opportunity to continue developing yourself.

About us
We are working on a new future for de Volksbank, the company of the four bank brands: SNS, ASN Bank, RegioBank, and BLG Wonen. We are bringing our brands together under one strong and familiar brand, ASN Bank, thus strengthening our organization commercially and operationally. We are building a future-proof, strong bank committed to people and society.