We redefine banking. What about you?
There has never been a more interesting time to work at ING. We’re on a journey that is centered around our customers, powered by technology and driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business. We’re proud of that!
Would you like to work for a Department where honesty, integrity and responsibility are valued? Are digitalization, customer satisfaction and delivering impact part of your DNA? Do you want to make the difference for our customers thanks to our agile way of working? Then read what comes because Credit Risk Department might very well become your future employer.
A day in your life as a Credit Decision Model Expert driving our Credit Decision Models
With a strong end‑to‑end perspective, you understand and are capable to develop and challenge credit risk models aligning to our business developments, credit risk policies and portfolio steering actions, actively contributing to the growth of ING Belgium with prudent risk principles guiding your actions. Your affinity with quantitative models will make you a champion in that role, with this unique ability to translate customers and business needs into model design and implementation, while balancing perspective with your risk hat on. Your adaptability and change mindset is critical to succeed in this role, supported by strong project management, delivery tracking and problem‑solving thinking. You continuously seek alignment with your stakeholders, both internally within Risk as well as with your business colleagues. Your sharp eye for details guarantees proper execution as well as continuous monitoring for effectiveness and efficiency of our credit decision processes.
Responsibilities
* Design credit decision model solutions and drive their implementation together with model development colleagues, to accelerate automation in decisioning to boost growth.
* Perform risk scenarios and simulation analyses to identify models and policies optimization, and provide recommendations and solutions.
* Closely engage with our key business stakeholders to ensure that design and implementation reflect commercial strategy, ambitions and value propositions.
* Engage with our credit risk policy experts to co‑ideate solutions, ensuring consistent application of policies and models to safely drive automation.
* Co‑work with our credit analytics expert to continuously assess the relevance of our policies, models and their impact on our credit risks.
* Co‑create and implement models in line with applicable standards with our Hubs and Group colleagues.
* Act responsibly and proactively with an end‑to‑end perspective to ensure soundness of credit decision models, ensuring regular performance monitoring and maintenance, as well as compliance with applicable standards.
* Clearly communicate on progress, objectives and way forward by leveraging key project management and delivery tracking capabilities.
We look for
* A colleague with a talent for taking it on and making it happen, enthusiasm for helping others to be successful and a knack for always being a step ahead.
* A strong understanding of ING’s commercial products and strategy, and credit risk management.
* A strong acumen with data and models, and an affinity with Python, SQL and SAS programming code languages.
* A strong sense of accountability and a willingness to take ownership, wanting to make the difference for our customers & employees.
* Strong written and oral communication skills, able to present progress at various seniority levels.
* Resolution‑oriented with strong analytical thinking: relentlessly striving to find the ideal solution, sometimes out of the box and challenging the status quo.
* A structured individual who knows how to make things happen effectively; project‑management experience is an asset.
* Excellent stakeholder management, managing conflicting priorities, working in a dynamic environment, and ensuring progress with strong local and functional alignments.
* Applying end‑to‑end thinking and effectively collaborating across the bank with senior presence.
* Anticipating risks and enabling their effective management with an open, positive and collaborative mindset.
* Ideally have experience with credit decision models, processes and policies.
* Fluent in English and ideally in Dutch or French.
* Master’s degree, with 3 to 5 years of relevant experience.
We offer you
* The possibility to directly contribute to the sustainable growth strategy of ING Belgium, with a pivotal role in credit risk management.
* Getting acquainted with complex and automated decisioning processes, applying an end‑to‑end bank’s perspective.
* An informal, dynamic environment with innovative colleagues supporting your endeavors.
* A progressive and agile way of working, where new ideas are valued ahead of convention.
* A well‑functioning multicultural team with a good team spirit.
* Direct impact on the everyday happiness of our customers: reducing friction & boosting guidance by making the journey intuitively, safe and compliant for all.
* Variety & complexity: from working with IT to developing new products, from customer experience to safety & compliance.
* High priority on craftsmanship and learning: we prioritise learning and development and help you to achieve your personal goals in this matter.
* We support your ambitions beyond your Financial Risk Specialist role, bringing a fresh perspective to our Department with your unique talent and interests.
* Culture of transparency & inclusiveness: we may not be able to guarantee the future, but we share every step of the way.
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