Head of Risk Management 80-100%

About the job

As a banking group with growing complexity and a unique business model, we are creating the position of Head of Risk Management anew to consistently further develop our risk culture, group-wide risk aggregation, and independent risk control. Are you looking for a diverse and challenging leadership role, can you classify terms such as interest rate and default risks as well as open banking and embedded finance in a holistic context and assess the resulting impacts?

Your position
You are responsible for the entire risk spectrum of the banking group in five dimensions — financial risks, non-financial risks, credit analysis, credit recovery, and group-wide risk management — and establish the independent control perspective of the 2nd Line of Defence. In doing so, you lead four teams with a total of 10 employees.

Reporting structure
You report to the Head of Finance and Risk Management (CFO & CRO), who is a member of the Executive Board and deputy to the CEO.

Your tasks

Leadership and development of employees
- Leading 4 teams (4 direct reports and a total of 10 employees)

Financial risks
- Interest rate, market, liquidity, and refinancing risks (IRRBB, LCR-/NSFR-relevant topics)
- Maintenance of the company-wide limit system; aggregation of limits and exposures
- Stress tests and scenario analyses

Non-financial risks
- Operational risks, ICT/cyber risks, Business Continuity Management (BCM), outsourcing
- Reputational risks, assessment and management of the insurance portfolio
- Maintenance and management of the risk and control framework (key risks/controls, internal control system advice to departments)

Credit analysis (Exception to Policy)
- Independent review and approval of exceptions to credit policy (ETP) - e.g. non-standard amortisation, LTV exceptions, affordability deviations - with escalation of major exceptions to the Credit Committee/Executive Board
- Ongoing reporting on ETP volume, trends, and concentrations including performance comparison against standard loans
- Monitoring of credit portfolio quality, concentration risks, and need for value adjustments

Credit recovery
- Restructuring and realisation strategies for non-performing exposures, provisioning recommendations
- Reporting on watchlist/NPL development to Executive Board and Board of Directors

Group-wide risk management
- Development and maintenance of a group-wide risk and limit framework in the context of consolidated supervision (FINMA-RS 2025/4)
- Consolidated risk aggregation and reporting across all group companies
- Contact person for FINMA on group-wide risk issues; participation in the further development of the risk group regulations

What you bring

• Several years of experience in risk management/control of a retail bank, including credit analysis in second opinion, ideally with a mortgage focus; experience with group/corporate structures and consolidated supervision is an advantage
• Understanding of the functional separation between front office and back office in the credit process
• Experience in building risk functions/frameworks from scratch
• University/University of Applied Sciences degree (Master) in Economics, Banking & Finance or similar, or certified auditor
• Confident, independent appearance towards Executive Board and Board of Directors
• Leadership experience, high resilience, and independence

Our offer

• Innovative company with the courage to implement future-oriented business models
• Become part of our dynamic team and help implement our strategy
• Challenging, varied role with a lot of personal responsibility
• We implement pragmatic and goal-oriented solutions through short decision-making paths
• Possibility to work from home

Your contact

Mr Marco Supplizi, Head of Finance and Risk Management, Tel. 062 885 14 76
Ms Claudia Graf, Head of HR, Tel. 062 885 13 17