Senior Risk Manager - Credit Policy

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you make the difference for Rabobank and her clients with continuously improving credit (risk) in a pro-active and structured way that captures both the voice of the customer and the voice of the regulator.

With your expertise and ability as Risk Manager Credit Policy, we make this possible together.

CreditCore Tribe

In 2019, the CreditCore programme was set-up to ensure that structural (regulatory) improvements can be designed, developed and implemented in a compliant, consistent and effective way contributing to a continuously improved end-to-end credit process. CreditCore redefines the way loans are classified, managed, reported and handled. We will create a new objective and more forward looking framework that can dynamically measure the credit quality of our customers. This will ensure that customers are served at the right time and in the right way. And we will be able to measure signals from its portfolio’s accurately and consistently and adequately act upon them.

Win factors in this programme are the introduction of multi-functional teams and the strong collaboration with all business units throughout the group. The positive results of the introduced way of working in Program CreditCore and the introduction of ERM as department, addressed the importance to structurally embed the way-of-working in ERM. As a next step as per November 1st 2020, we want to support the Rabobank wide ambition by introducing the principles of Simplfy@Scale within CreditCore as the new way of working and hereby strengthening our Risk function while at the same time consolidating the responsibility for credit policies within Enterprise Risk.

Seven guiding principlesdefine our way-of-working and organizational structure: Optimize compliancy, efficiency and customer value; Help and guide the business to deliver autonomously; With multidisciplinary core teams and stakeholder communities; Focused on continuous improvement; Structured around value themes; Following a structured process; and Being data-driven​.

Credit Policy Chapter

We support the CreditCore Tribe and its Areas to manage the Voice of the Regulator by translating applicable legislation and regulations into compliant Global Standards and Global Procedures.

  • ​We support the Tribe, Areas and Squads in translating applicable legislation and regulations.​
  • We create value by updating credit risk policies with the business in the Squads. ​
  • We ensure our knowledge on credit regulations through early adoption of relevant CRR/CRD articles, EBA’s Technical Standards and Guidelines, and through our presence in relevant working groups of NVB, EACB, EBF and AFME. ​

Making a difference by

  • Being an expertise center for regulations on credit risk.​
  • ​Delivering expert consultancy in the Tribe, Areas and squads when advanced knowledge on credit risk regulation is required.​
  • ​Setting our work standards & work methodologies on translating applicable legislation and regulations.​
  • ​Contributing to the alignment of credit RAS limits to strategy and strategic risks.​
  • ​Maintaining our knowledge via applicable working groups of NVB, EACB, EBF and AFME, while lobbying for proportionality and practicality.​

With each other
Collaboration is at the heart of everything we do. Our credit Policy Chapter brings talented people together to realize a sustainable and balanced credit portfolio for Rabobank Group. With you as a Senior Risk Manager Credit Policy, the chapter will consist of 10 diverse colleagues.

Puja Ghelani, Head CreditCore Tribe: “We want to enable the business of the Rabobank group and its clients to optimally traverse the credit journey facilitated by the credit risk services that we provide. Through the creation of a central overview and by accurately monitoring the portfolios we offer actionable data to the group to improve quality of processes and decisions. Our credit risk framework is the foundation for clear and consistent implementations of global standards that adhere to regulation and ensures protection against inadmissible credit risk."

Herke Oudeboon, Lead credit Policy Chapter: “We want to adhere fully to new and changing credit regulations, to enable a rock solid and customer focused bank. Formulating and implementing overall credit policies and standards is not just a profession, but a special craft. We ensure a strong risk management culture by continuously questioning effectiveness, identifying and implementing best practices.”

With you
Customer focus, collaboration, influencing, deliver results, problem solving and external orientation are clearly essential for the role of Senior Risk Manager - Credit Policy. In addition, it's important that you recognise everything in the checklist below:

  • minimum of 5-10 years’ experience in credit risk modelling or validation;
  • master’s degree/level;
  • good knowledge of- and interest in regulatory requirements;
  • you are recognised and acknowledged both internally and externally as an expert in the professional discipline;
  • you can create wide support for new policy initiatives. Professional innovations is of the utmost importance, as is dealing with internal and external political powers and opposing interests;
  • quality orientated person with high sense of accuracy and respect for timelines;
  • excellent communication in Dutch and English, both orally and in writing is a must.

Growing a better world together
You may already be aware that Rabobank is a financial services provider for 8.5 million customers in 40 countries. But did you know that we aim to contribute to real change with our 'Growing a better world together' mission? We do so in countless ways, such as:

• Our ‘Banking for Food’ and ‘Banking for the Netherlands’ vision and our Sustainability Programme ‘Sustainably Successful Together’ programme help us achieve our contribution to the SDGs.
• We enhance the sustainability of homes with the ‘Rabobank Green Mortgage’.
• New real estate finance transactions must meet ambitious energy labelling standards.


Do you want to become the ideal version of yourself? We would love to help you achieve this by focusing firmly on your growth, development, and investing in an environment where you keep learning every day. We give you the space to innovate and initiate. In this way, we offer you numerous opportunities to grow and help you exceed your expectations, to do the right thing exceptionally well, and to therefore grow as a professional. In addition, with us (on the basis of a 36-hour working week), you can also expect:

  • a gross monthly salary between EUR 5.300,- and 7.600,- (classification depends on education, knowledge and experience);
  • a thirteenth month and holiday pay;
  • an Employee Benefit Budget (10% of your monthly salary). You decide how to spend this budget. This may include purchasing extra leave days, making extra pension contributions or receiving a monthly cash pay-out;
  • a personal budget that you can spend on activities related to your personal development and career;
  • flexible working times and location-independent working;
  • a pension scheme, to which your contribution is only 3,5%.

Let's meet

Are you the person we're looking for? Are you ready to join Rabobank as a Risk Manager Credit Policy and to make a difference to yourself, our customers and to society? We look forward to receiving your application for this vacancy in Utrecht.

Good to know:

  • Apply via the “Apply now” button with your CV and cover letter. Responses will be handled in accordance with our vacaturemanagement policy.
  • If you have any questions about the specific details of this position, please contact Herke Oudeboon via
  • Franciska Gradzikiewicz, Corporate Recruiter, would be happy to answer any questions about the application procedure via
  • The application process may include screening. Based on the screening procedures in place at Rabobank, we assess whether new staff are reliable enough to work at Rabobank.
  • The application process for this vacancy may include an individual assessment.
  • Your privacy is important to us. Do you want to know more, click on this link.
  • Everyone is different, and it is exactly those differences that help us become an even better bank. That's why we want to know who you really are!
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  • Er is geen minimale opleiding vereist

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