Head of Retail Lending

Position Overview
For over 150 years, our dedication to being the
Global Hausbank
for our clients has been driven by our people – in around 60 countries and across more than 150 nationalities.
Their deep understanding, insights, expertise, and passion help our clients navigate an increasingly complex world – be it in our Corporate Bank, our Private Bank, our Investment Bank or our Asset Management division.
Together we can make a great impact for our clients home and abroad, securing their lasting success and financial security.
Deutsche Bank Spain
is seeking an innovative and results-driven
Head of Retail Lending
to lead the transformation and growth of its lending portfolio for private clients, covering mortgage loans and consumer finance loans. This senior leadership role will define and execute the strategic roadmap for retail lending products, across both digital and traditional channels, while ensuring profitability, capital efficiency, and regulatory compliances.

The ideal candidate will bring a strong background in digital banking, product management, credit risk, and capital management, with a proven ability to lead cross-functional teams and drive innovation in a highly regulated environment.

Responsibilities

• Lead the retail lending business for private clients in Deutsche Bank Spain, covering mortgages and consumer finance products, as well as defining and executing the end-to-end strategy for retail lending, integrating digital innovation, customer-centric design, and capital efficiency.
• Oversee the full lifecycle of lending products, including pricing, risk appetite, and profitability; monitoring portfolio performance and leading the development of new lending propositions.
• Champion the use of AI/ML, open banking, and digital identity to enhance credit decisioning and customer journeys, collaborating with technology, UX, and data teams to deliver seamless digital lending experiences.
• Ensure compliance with local and EU regulations, working closely with Treasury (FTP) and Risk (RWAs/TCDs), and representing Retail Lending in governance forums.
• Lead and develop a high-performing team of product managers, analysts, and credit specialists, building strong relationships with internal stakeholders and external partners.

Skills

• Proven leadership skills and 8+ years in retail lending, with a proven track record in launching digital lending products and managing P&L.
• Deep understanding of mortgage and consumer finance products, digital lending platforms, credit risk models, and capital/RWA optimization, with strong knowledge of regulatory frameworks.
• Proficient in data analytics tools (e.g., Power BI, SAS, SQL) and Microsoft Office Suite.
• Fluent in Spanish and English (written and spoken).
• Strong academic foundation in Finance, Economics, Business Administration, or related field; MBA or relevant professional certifications (e.g., CFA, FRM) are a plus.

Well-being & Benefits

• Emotionally and mentally balanced: We support you in dealing with life crises, maintaining stability through illness, and maintaining good mental health. Benefit from initiatives such as counseling and support in difficult life situations and a culture where you can openly speak about mental health….
• Physically thriving: We support you managing your physical health by taking appropriate preventive measures and providing a workplace that helps you thrive. For example, health care offerings, gyms and healthier ways of working, check up's, standing desks,...
• Socially connected: We strongly believe in collaboration, inclusion and feeling connected to open up new perspectives and strengthen our self confidence and well being. Benefits vary from different types of paid and unpaid leave, career coaching, flexible working time models, participation in our ERGs,...
• Financially secure: We support you to meet personal financial goals during your active career and for the future. Benefit from pension contribution plans, banking services for employees, insurance, company bicycles or public transport perks,...

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.