Retail Risk Analyst

What does it mean for our supervision if AI determines the prices of financial products? How do we recognize financial vulnerability to take action in a timely manner? These are examples of possible analyses that you, as a risk analyst, will work on. Thanks to your work, the AFM can signal and address risks in a timely manner.

The AFM is a risk-driven supervisor. This means that we deploy our powers in places where the most damage can occur to consumers. We must therefore prioritize and make sharp choices, and you, as a risk analyst, contribute to this as well.

• You keep a close eye on developments in the financial retail market. You signal trends, risks, and new products that may be harmful and are therefore relevant to the AFM. You translate these risk analyses into practical advice and ideas for projects to strengthen supervision. Examples of this include the rise of Buy Now Pay Later and AI, which the AFM must respond to in a timely manner.

• The AFM has various instruments to determine whether it is setting the right priorities and to look ahead to new trends. You assist in the development and implementation of these. An example of this is our annual publication Trendzicht.

• You work closely with colleagues from the supervision teams. Although the analyses and prioritization are qualitatively based, you utilize data whenever it can contribute to effective analysis and prioritization.

• Thanks to your analyses, foresight, and instruments for prioritizing, the AFM can deploy its supervision where it can make the most impact.

The deadline for this vacancy is 8 November 2026.

What we ask:
⭐ A completed university degree (WO), preferably in economics, business administration, psychology, law, or a related field.

⭐At least two years of relevant work experience in the field of risk analysis, for example in policy, supervision, consultancy, or research.
⭐ You have an affinity with the financial sector and the ability to translate these developments into supervisory issues.

⭐ Analytical ability: you are sharp and conceptually strong. You know how to fathom complex issues and translate them into concrete insights and supervisory actions.

⭐ Team player: you establish contact easily, both within and outside the organization. You know how to bring different interests and expertise together and enjoy working in a team.

⭐ Ownership: you like to take initiative and truly want to make a difference. You have an inquisitive attitude and think independently about improvements in supervision.

⭐ Socially engaged: you have an eye for the impact of financial services on consumers and the functioning of markets.

Please note: excellent proficiency in Dutch, both verbal and written, is required for this position.

What we offer:
📄 You will start with a one-year contract with a view to permanent employment
💰 Depending on knowledge and experience, you will be scaled as a supervisor in scale F (junior with a gross annual salary between €54,000 and €90,000) or scale G (medior with a gross annual salary between €64,000 and €106,000). Amounts are based on 36 hours, including 13th month and holiday allowance.
⏰ 36-hour work week, working days in consultation (e.g., 4x9)
🌴 199.5 vacation hours per year (on top of your standard roster-free day)
💻 A laptop and a smartphone
📚 Extensive training and education opportunities
🚆 Full reimbursement of public transport costs (2nd class)
🏡 Home office allowance for work-from-home days
💪 Contribution to a gym membership
🚲 Attractive secondary employment conditions such as a bicycle and device scheme and an allowance for your home working space

For questions about the vacancy, please contact Megan van Rooij (recruiter) via megan.van.rooij@afm.nl or 06-27387882.