We are looking for an experienced Mortgage Portfolio Manager to take ownership of our Dutch residential mortgage portfolio. This is a key position within our organization, offering the opportunity to actively contribute to both the strategic development and financial performance of our evolving mortgage business.
As Portfolio Manager, you will lead and support cross-functional initiatives aimed at optimizing mortgage processes, improving portfolio returns, and ensuring compliance with regulatory standards. You’ll collaborate with teams across Risk, Finance, Treasury, Capital Markets, Legal, IT, and Operations to ensure streamlined, compliant, and performance-driven mortgage activities.
This role requires a strategic thinker with a deep understanding of the Dutch mortgage market, strong analytical capabilities, and proven project management skills. You will play a critical role in aligning our mortgage operations with the bank’s broader business objectives and long-term growth plans.
- Manage the bank’s Dutch residential mortgage portfolio with a focus on risk-adjusted performance, profitability, and regulatory compliance.
- Lead strategic initiatives to transform and optimize mortgage-related processes, ensuring alignment with market developments and internal priorities.
- Conduct detailed portfolio and profit analysis on long-term retail loan books to identify opportunities for performance improvement.
- Design and implement portfolio strategies, including hedging, scenario analysis, pricing, and performance optimization.
- Analyse trends in the Dutch mortgage and housing markets to inform product and pricing strategies.
- Ensure compliance with internal policies and external regulations (DNB, ECB, EBA), including mortgage servicing and underwriting standards.
- Support funding and securitisation initiatives, including RMBS transactions and balance sheet management.
- Drive data integration and end-to-end reporting across systems to improve efficiency and decision-making.
- Act as a central point of contact for internal and external stakeholders, offering expertise, guidance, and proactive communication.
- Collaborate with servicers, originators, and external partners to ensure portfolio performance and customer satisfaction.
- Deliver regular updates and insights to senior management, governance bodies, and regulatory stakeholders.
You are an open-minded and naturally curious colleague, passionate about your work and unafraid to take on a variety of tasks simultaneously while meeting tight deadlines. Proactive by nature, you're always one step ahead—thinking strategically and finding effective solutions in collaboration with both internal and external stakeholders. You thrive in a team environment, listen actively, and invest in both people and projects to achieve shared goals. You approach challenges with a creative mindset, naturally thinking outside the box and navigating confidently through fast-changing and complex environments by questioning the "how" and the "why."
You bring strong project management skills, effectively balancing priorities and deadlines. Your exceptional communication and interpersonal abilities allow you to engage comfortably with stakeholders at all levels of the organization. With a sharp analytical mindset and great attention to detail, you solve problems efficiently. Whether working independently or as part of a team, you perform well in dynamic, fast-paced settings. You are fluent in both English and Dutch and possess excellent organizational skills, allowing you to manage multiple responsibilities with confidence.
Skills/Qualifications:
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5–10+ years of experience in the Dutch mortgage sector, with deep expertise across the mortgage lifecycle—including distribution, origination, underwriting, and servicing operations.
- Proven experience in portfolio management, investment analysis, or credit risk management within the banking or asset management industry.
- In-depth understanding of the Dutch residential mortgage market, including regulatory frameworks, credit risk principles, and servicing standards.
- Experience with structured finance products, such as RMBS, covered bonds, or whole loan transactions, is highly desirable.
- Familiarity with relevant European regulatory frameworks, including CRR, EBA guidelines, and ECB reporting requirements.
- Strong background in conducting profitability analysis of long-term retail loan portfolios, identifying optimization opportunities and performance trends.
- Knowledge of investment products and a sound understanding of derivatives and their application in mortgage portfolio strategies.
- Solid grasp of retail credit risk management, from origination to servicing and recovery
- Demonstrated understanding of regulatory compliance in mortgage lending and retail financial services.
- Strong data-driven approach to decision-making, combined with creative problem-solving skills.
Education:
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Bachelor’s or Master's degree in Business Administration, Finance, Economics, Banking, or a related field.
Preferred:
- Valid Wft Basis and Wft Hypothecair Krediet certifications (required)
- Wft Vermogen certification (preferred or willingness to obtain)
- Additional certifications such as SEH (Stichting Erkend Hypotheekadviseur), Erkend Hypothecair Planner (EHP), or FFP (Federatie Financieel Planners) are considered strong assets
Commitment to Permanent Education (PE) to stay current with regulatory and market developments
- Becoming part of a dynamic team in an international working environment.
- 30 vacation days.
- 13th Month.
- 8% holiday payment
- Laptop and Mobile phone.
- Annual extra appreciation payment.
- Pension Plan - Defined contribution scheme
- Collective Health Insurance – discount on additional health insurance.
- Educational budget and access to Coursera trainings
Work at Garanti BBVA International
Garanti BBVA International (“GBI”) is a mid-sized European bank established in Amsterdam, the Netherlands since 1990 and serves to corporate and institutional and retail clientele. GBI is a wholly owned subsidiary of Turkiye Garanti Bankasi A.S. (Garanti) and has presence in Germany, Switzerland and Turkey. Our ultimate parent is BBVA. Aa dynamic “global boutique” bank, Garanti BBVA International offers fast, accurate, innovative, tailor-made and country-specific financial solutions in selected business lines though highly skilled and diverse talent management. We embrace creativity, are centered towards teamwork and oriented to create multicultural environment as we believe this to be a crucial element. Our vision is future-oriented and as a one big team GBI strives for corporate excellence and goal achievement. By joining our organization, you will find yourself constantly challenged and must be prone to apply out-of-the box thinking.
Life at Garanti BBVA International
GBI is a place for people who dream big and make their dream their goal. We look for people who will challenge the status quo in order to grow. We stand as one team, one family and together we are empowered to create our unique path, be agile, be curious and innovative. Strong partnerships ensure our success. Strong teams hold our foundation. We believe that diversity drives innovation and fosters personal development. We aim to create a working environment where employees are able to learn through support and coaching while contributing visibly to the success of bank.
Our Core Values
GBI is part of BBVA, an integrated and innovative financial institution that looks to the future, created with the mission of financing people’s dreams. That spirit continues to inspire us today and encourages us to transform people’s lives by helping them make the best decisions to fulfil their dreams. This mission is underpinned by our Purpose: “To bring the age of opportunity to everyone”. We live these values, which make us strong and allow us to achieve our purpose so we can keep creating opportunities.
Customer Comes First
We see our work from the customer's perspective, as we incorporate their point of view in every decision we make and always put their interests first. We meet our customer's needs in an agile way, overcoming any difficulties that arise.
Think Big
We want to amaze our customers with the best solutions to generate unique experiences. To achieve this, we set ambitious and inspirational challenges for ourselves, while questioning everything we do and posing new ways of doing things.
One Team
We are committed both to our individual role and the company's objectives as our own. We work as one team, trust our colleagues and break silos between units and hierarchical barriers.
If you are ready to join our team and contribute to the success of company, we encourage you to apply by submitting your resume and a cover letter via Online Application: Click on the link below to access our online application portal and submit your application.
We appreciate your interest in our organization and look forward to reviewing your application. Should you have any questions or require further information, please don't hesitate to reach out.
Please note that we do not appreciate any acquisition efforts for this vacancy by recruitment agencies.
