Welcome to the team:
Business Expert - Risk Applications (maternity cover) (m/f/diverse)

  • Function
    Function:
    Risk / Credit / Financing
  • Location
    Location:
    Lodz
  • Job type
    Job type:
    / Full time
  • First working day
    First working day:
    8 / 1 / 2025
  • Application deadline
    Application deadline:
    12 / 16 / 2025

Join our team as a Business Expert!

Your tasks

Together with your team You will be doing: 

  • Maintenance & development of the risk applications (e.g. credit reporting systems, operational risk tool)
  • Working closely with software developers and application users
  • Conduct technical, business and data quality analyses 
  • Leading meetings with stakeholders
  • Analyzing risk management and regulatory requirements and implementing adjustments into the tool and processes
  • Solving problems (both business & model related, support technical fixes)
  • Managing documentation of business requirements, application guidelines and design goals
  • Working on processes improvements using agile methodologies

Your profile

Which technology & skills are important for us?

  • Strong willingness to troubleshoot and resolve application related issues
  • English B2/C1 level – it is our business language
  • Batchelor degree in economics, mathematics, physics, IT or related field
  • Have intermediate knowledge of technical languages like SQL
  • Have basic knowledge of BI applications like Qlik
  • Good acquaintance of MS Office tools – Excel and Word
  • Have professional experience in financial industry, preferably within risk management/risk controlling or reporting area

Nice to have:

  • Have experience in creating reporting structure

How?

Hybrid on Wersalska 6 street (Once a week work from the office - Łódź) 

The company

Below you can find more information about Commerzbank and cluster:

Commerzbank is a leading international commercial bank with branches and offices in almost 50 countries. The world is changing, becoming digital, and so we are. We are leaving the traditional bank behind us and are choosing to move forward as a digital enterprise. This is exactly why we need talented people who will join us on this journey. We work in inter-locational and international teamwork in agile methodologies.

Description of the cluster:

Cluster Risk Models & Calculations is responsible for:

  • Development, roll-out and maintenance of group-wide models for credit risk, operational risk, capital requirements and stress-testing (incl. tight monitoring of model performance). We are model owner and 1st line of defence for model risk.
  • Implementation of models in calculation kernels (e.g. rating models, RWA-calculation, C-VaR, LGD-Service, OpRisk and Stress).
  • Specification and implementation of rating tools as well as other central risk applications – used mainly by own Front-Ends in the credit process or in online applications.
  • Calculation of the economic capital requirements (e.g. Credit Portfolio Model, AMA for OpRisk, business- and physical asset risk - incl. stressed conditions).
  • Basis calculation for risk provisions (especially IFRS9 Stage Assignment and Lifetime-EL) and centre of competency for Asset Backed Securities
  • IT-solutions for recording, management and calculation of the operational risk, tools for and management of the internal control system.
  • Operational stability of the IT-Applications (e.g. wrt incidents or delays) but also optimization of IT-platform as well as minimization of manual processes.
  • Tailor-made risk analysis (e.g. scenarios, impact analysis, Ad-Hoc requests) in particular for the management of the current COVID-19 crisis. Professional response on customer requests.
  • Main contact for regulators, chartered accountant and internal auditors concerning model development and implementation.
  • Implementation of important regulatory and strategic initiatives: e.g. implementation and fulfillment of new regulatory requirements for AIRB rating models, acceleration of rating calculation, enablement of digital credit journey, improvement of credit decision and streamlining of credit processes

What we offer?

  • Medical care packages in Enel-med,
  • Additional Generali insurance,
  • Multisport Plus Card,
  • Sodexo Lunch Pass card,
  • Co-financing of glasses or contact lenses,
  • PPE- Employee pension scheme, in which the employer's contribution is 4.5% of the monthly salary,
  • Special offer at mBank for Commerzbank employees,
  • Special offers within mBank group (including free access to Legimi ebooks, special offer in Orange, discounts in chosen car salons),
  • Access to the Speexx e-learning language platform,
  • Access to O’Reilly and Clix (Linkedin Learning) e-learning platform,
  • Internal training program Skills@work (coffee Learning Session – informal quarterly meetings among employees focusing on a given technological or business issue, BigUP- individual mentoring program focused on soft skills development, Coach Academy – Technical training organized by employees for employees, Guilds – groups focusing on a given technology),
  • External trainings,
  • Interest groups and integration events,
  • Relocation packages inside and outside Poland,
  • Psychological support program for employee and family, additionally financial and legal consultations (chat, phone, 24/7),
  • Additional holiday days after each year worked at Commerzbank (maximum 5 additional days),
  • Compensation of up to 100% for sick pay (up to 33 days in a given calendar year),
  • Equivalent for electricity and internet while working for home,
  • Flexible working time,
  • Masterbenefit – car subscription,
  • Travel allowance of 150 pln for each arrival for the first year of work in Commerzbank for employees who are living outside of Łódzkie and their previous employer was located outside of Łódzkie.
  • Annual bonus, which amount depends of the results of the bank.

Contact

Commerzbank Aktiengesellschaft Spółka Akcyjna oddział w Polsce

Ul. Wersalska 6

91-203 Łódź

Your application process

Please add the following clause to your application:
1. I consent to the processing of personal data contained in this document by Commerzbank Aktiengesellschaft with its registered office in Kaiserstrasse 16, 60311 Frankfurt am Main, Germany, operating through the Branch in Poland with its registered office in Łódź, 91-203 Łódź, ul. Wersalska 6, KRS 0000631053, for the implementation of the current recruitment process and for the future recruitment for a period of 6 months, in accordance with the Regulation of the European Parliament and of the Council (EU) 2016/679 of 27 April 2016 on the protection of individuals with regard to the processing of personal data the free flow of such data and the repeal of Directive 95/46 / EC (RODO) and in accordance with the Act of 10 May 2018 on the protection of personal data (Journal of Laws of 2018, item 1000). I provided my personal data voluntarily and I declare that they are truthful. I have the right to withdraw this consent at any time. The withdrawal of consent shall not affect the lawfulness of processing based on consent before its withdrawal.

2. I have read the content of the information clause, including information about the purpose and methods of processing personal data and the right to access my personal data and about the right to correct, rectify and delete it.