At a glance

International Card Services (ICS) is a 100% subsidiary of ABN AMRO Bank N.V. with its own independent bank license. ICS is a payment service provider and market leader in issuing credit cards in the Netherlands, with a subsidiary in Germany. We have been issuing, promoting, administrating, and processing payments of Visa and Mastercard credit cards for over 30 years. ICS issues credit cards both under its own brand and in conjunction with co-branding partners, for both Consumer and Commercial clients. In addition, we offer various other financial services and products.

The organization is currently changing in order to serve customers and the market even better, with the safety and reliability of our services being the cornerstone. We are rebalancing our business model, which means challenging but exciting times for ICS. The number of files in the risk domain increase and become more complex due to increasing legislation and regulation. Many risk types need extra attention. This requires expertise in the second line; a second line that can think along and advise on both effective and efficient approaches and measures.

Are you always conscious of risks and are you driven to control those risks? Are you looking to work together with an enthusiastic team of professionals to make ICS a more risk-based organization? Can you bring the expertise which is needed to tackle the complexity of the stakeholder field and rapidly changing law and regulations? Then you are the Credit Risk Manager we are looking for!

Your job

In this role, you will amongst others execute strong stakeholder management, provide a second line opinion on a wide variety of strategic matters related to credit risk, validate credit risk portfolio analysis, play a pivotal role in a variety of ICS strategic projects and advise risk committees on strategic changes, portfolio- and product reviews.

You will help the ICS Risk Team in its role to keep oversight and control over the entire credit risk balance sheet of ICS.

Working environment

International Card Services (ICS) is a 100% subsidiary of ABN AMRO Bank N.V. with its own independent bank license. ICS is a payment service provider and market leader in issuing credit cards in the Netherlands, with a subsidiary in Germany. We have been issuing, promoting, administrating, and processing payments of Visa and Mastercard credit cards for over 30 years. ICS issues credit cards both under its own brand and in conjunction with co-branding partners, for both Consumer and Commercial clients. In addition, we offer various other financial services and products.

Our credit cards can be used Worldwide to pay at more than 46 million addresses and in any currency. In the Benelux there are now about 2.7 million people with a credit card issued by ICS. Our customers not only pay carefree, but also with extra security: their purchases are insured, and we guarantee delivery.

Our purpose ‘Carefree Payments’ and our vision and our mission ‘We offer our customers and partners relevant, sustainable and secure payment products’ are at the heart of all our activities. We believe that this sets us apart from other companies. In other words: a solid reason to choose ICS.

In our view, reliability, security, and carefree payment should go hand in hand. We unburden our customers when it comes to payment solutions. And offer them the opportunity for carefree payments everywhere. In this way we contribute to a safer society and increase confidence in our financial institutions.

The culture within ICS can be described as family-oriented, helpful, people-oriented, and service- oriented. Service is in the genes.
Our core values are:
•    Courage
•    Care
•    Collaboration

You will work within the ICS Risk Management team. This team consists of ~8 FTE of highly motivated (financial and non-financial risk) colleagues with different backgrounds. You will be in frequent contact with first line colleagues, MT members and other colleagues within ICS and various stakeholders within ABN AMRO. 

Your profile

You are an energetic person who has a passion for combining conceptual thinking, execution and stakeholder management. You are curious by nature, have a positive attitude and a “getting things done” mentality. You strive for quality and structure and get energy from participating in (bank-wide) project teams. 

You are able to deliver timely and accurately under high (time) pressure, act independently while operating and respecting hierarchy at different levels within Risk and the rest of the organisation. Strong interpersonal communication skills are key.

We expect you to take ownership and responsibility, think in a results- and solution-driven manner, have a proactive attitude, liaise interdepartmental and help building team confidence. You are self-confident, a clear communicator and value continuous personal development. 

Besides a strong drive to keep your own expertise up to date and sharing knowledge and expertise, you  actively contribute to developing and renewing the credit domain.

Check your profile
•    You are a team player;
•    Graduated from University with a MSc and at least 5-7 years of working experience;
•    Working experience in either Business, (Credit) Risk, Finance and/or 3rd LoD (Internal Audit);
•    Knowledge of and/or interest in supra-Credit Risk subjects such as ICAAP, RAS, Management Control Cycle, etc;
•    You provide sharp and concise analyses in combination with the ability to strategically advise Risk Committees (EERC, BRC, GRC, IPC, GPAC);
•    You are independent but have no trouble working in a team or project; 
•    You are aware of the strategy of the Client Units and (Credit) Risk and familiar with the processes within Risk Management;
•    Knowledge of applicable Credit Risk laws and regulations e.g. CRR, Basel, EBA guidelines;
•    Excellent verbal and writing skills, both in Dutch and English;
•    Expertise in the field of Financial Services and strong project management skills are advantageous.

We are offering

We offer a job that requires and provides insight into the Risk Management of the ABN AMRO Business Lines and subsidiaries. In addition, the opportunity to go through a steep learning curve in a multitude of substantive subjects. This job offers the opportunity to set up and maintain a broad network•    The gross monthly salary displayed above is based on a 36-hour work week, including vacation pay and benefit budget.
•    The Benefit Budget is 11% of your salary. The Benefit Budget allows you to acquire additional employment benefits. If you make no purchases or reservations in the Benefit Shop in a given month, you are paid one twelfth of your Benefit Budget that month.
•    Five weeks of vacation per year. You have the option to purchase an additional four weeks per year.
•    Personal development Budget of € 1,000 per year, which you can accumulate up to € 3,000.
•    Possibility to work from home (in consultation with your team and depending on your position).
•    An annual public transport pass with free public transportation throughout the Netherlands.
•    An excellent pension scheme.
 

We are looking for 2 fte in Hay level 11 or 12. In which Hay level you will be placed, depends on your knowledge and experience and we will discuss this with you.

Interested?

Please apply to this vacancy online and include your resume and motivation letter. If you want to know more about this vacancy? Please contact Martine Zwiers, CRO ICS (martine.zwiers@icscards.nl)

Equal opportunities for all

The success of our organisation depends on the quality of our people and the ideas that they have. Truly surprising insights and innovative solutions for our clients result from an interplay of cultures, knowledge and experience. Diversity is therefore extremely important to our organisation. To ensure that everyone at ABN AMRO can develop their talents, we encourage an inclusive culture in which all colleagues feel engaged and appreciated.

Disclaimer external recruitment agencies

External recruitment agencies need to have a signed agreement with ABN AMRO BANK N.V., executed by a Talent Acquisition Specialist, when submitting a resume to a vacancy. In addition, a recruitment agency can only submit a resume when invited by a Talent Acquisition Specialist to join the search for a right candidate. All unsolicited resumes sent to us will be considered property of ABN AMRO BANK N.V. In this case, ABN AMRO will not be held liable to pay a placement fee.