We are looking for a
Client Acceptance Lead (m/f/d)
(unlimited, full-time) Join our team at our location in Luxembourg - flexible working conditions available
Key Responsibilities
- Lead and oversee the client underwriting process for business and consumer portfolios.
- Guide and support a team of underwriters and financial analysts in daily operations.
- Prepare data-driven credit decisions within defined risk and compliance frameworks.
- Develop and enhance underwriting processes, policies, models, and decision standards.
- Ensure adherence to regulatory (e.g. EBA, CSSF, BaFin) and internal risk requirements.
- Collaborate with Product, Risk, Finance, Operations and Sales to optimize (semi-) automated credit workflows.
- Monitor portfolio performance and recommend improvements to underwriting criteria.
- Represent proposed business opportunities in the Bank’s internal committees and approval processes.
Required Qualifications
- Bachelor’s or master’s degree in Finance, Economics, Business Administration, or a related field.
- 5+ years of experience in credit underwriting, credit risk management, financial projects or lending — ideally within a FinTech, digital bank, or regulated financial institution.
- First leadership experience and the will to develop a team and cultivate curiosity.
- Strong understanding of European banking regulations, credit policies, and risk governance frameworks.
- Proven experience in SME or retail lending environments.
- Excellent analytical and communication skills.
- Experience in process execution and supervision in complex environments under limited available time.
- Familiarity with digital underwriting tools, automation technologies, and data-driven credit models.
- Fluent in English; German or French is an advantage
