We redefine banking. What about you?

There has never been a more interesting time to work at ING.Wereon a journey that is centred around our customers, powered bytechnologyand driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business.Wereproud of that!

Would you like to work for a Department where honesty, integrity and responsibility are valued?Aredigitalization, 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 astrongend-to-end perspective, youunderstand and are capable to develop& challengecredit risk modelsaligning to ourbusiness developments,credit risk policies and portfolio steeringactions, 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 mindsetiscritical to succeed in this role, supported by strong project management, deliverytrackingand problem-solving thinking. You continuously seek alignment with your stakeholders, both internally within Risk as well as with yourbusiness colleagues. Your sharpeyesfor detailsguaranteeproper execution as well as continuous monitoring for effectiveness and efficiency of our credit decision processes.

In particular, youwill:

• Designcredit decisionmodel solutionsand drive their implementationtogether with model development colleagues,to accelerateautomation in decisioningto boost growth

• Performrisk scenarios andsimulation analysestoidentifymodels and policies optimization, and provide recommendations and solutions

• Closely engagewith

• our key Business stakeholders to ensure that design and implementation reflect commercial strategy,ambitionsand value propositions

• our Credit risk policy experts to co-ideate solutions, ensuringconsistent application of policies and models tosafelydrive automation

• our Credit analytics expert tocontinuously assess the relevance of ourpolicies,modelsand their impact on our creditrisks

• ourHubs andGroup colleagues to co-createand implementmodels in line with applicable standards 

• Act responsibly and proactively with an end-to-end perspectiveto ensure soundness of credit decision models, ensuring regularperformancemonitoringand maintenance, as well as compliance with applicable standards

• Clearly communicateon progress,objectivesand way forwardbyleveragingonkeyproject management anddelivery trackingcapabilities

We look for

A colleague witha talent for taking it on and making it happen, enthusiasm forhelping others to be successfuland a knack for alwaysbeing a step ahead. In other words, you strive to bring fresh ideas to life and embrace challenges in a fast changing and complex environment. You are a naturally collaborative person who listens and invests in others to achieve common goals. You love to challenge the status quo and are eager to propose creative solutions to problems. More specifically in the credit risk for Private Individuals and Private Banking context:

• You have a strong understanding ofINGs commercial products and strategy, and credit risk management

• You have a strong acumen with data and models, and affinitywith Python,SQLand SAS programming code languages

• You havea strong senseof accountability and are not afraid to take ownership,wanting to make the difference for our customers & employees

• Youcanpresent progress at various seniority levels, using strongwritten and oralcommunication skills

• You are solution-oriented with strong analytical thinking: you relentlessly strive to find the ideal solution, sometimes out of the boxand challenging the status quo

• You are structured,know how to make things happen effectively. A project management experience is an asset

• You excel at stakeholder management, managing conflicting priorities, working in dynamic environment,and ensuring progress with strong local and functional alignments

• You apply end-to-end thinking, and you effectively collaborate across the bank with senior presence

• Youanticipaterisksand enable their effective managementwith an open,positiveand collaborative mindset

• You ideally have experience with credit decision models processes and policies

• You dare to speak out

• Fluent in English andideally inDutch or French

• Master'sdegree, with 3 to 5 years relevant experience

We offer you  

A clear purpose, a unique offer and a range of flexible compensation and other benefits:

• The possibility to directly contribute to the sustainable growth strategy of ING Belgium, with apivotal role incredit risk management 

• Get acquainted withcomplex and automated decisioning processes, applying an end-to-endbanksperspective 

• An informal, dynamic environment with innovative colleagues supporting yourendeavors

• A progressive and agile way of working, wherenew ideasare valued ahead of convention

• A well-functioning multi-cultural team with a good team spirit

Furthermore, within Credit Risk Department, you can count on a range of opportunities to invest in your personal and professional growth with:

• Direct impact on the everyday happiness of our customers: reducing friction & boosting guidance by making the journey intuitively,safeand 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 prioritize learning and development and help you to achieve your personal goals in this matter

• We support your ambitionsbeyond your Financial Risk Specialistrolein 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