Job Description, Responsibilities & Requirements
About the Position
Credit Decision Model Expert for Business Clients - Credit Risk Management Department
Join ING Bank as a Credit Decision Model Expert in Brussels, Belgium, to drive credit risk management and model optimization.
Responsibilities
- Design credit decision model solutions and drive their implementation together with model development colleagues, to accelerate automation in decisioning to boost growth, in particular that of Business Banking clients.
- 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.
- Our Credit risk policy experts to co-ideate solutions, ensuring consistent application of policies and models to safely drive automation.
- Our Credit analytics expert to continuously assess the relevance of our policies, models and their impact on our credit risks.
- Our Hubs and Group colleagues to co-create and implement models in line with applicable standards.
- 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 on key project management and delivery tracking capabilities.
Requirements
- Strong understanding of ING’s commercial products and strategy, and credit risk management.
- Strong acumen with data and models, and affinity with Python, SQL, and SAS programming code languages.
- Strong sense of accountability and a knack for taking ownership.
- Ability to present progress at various seniority levels, using strong written and oral communication skills.
- Solution-oriented with strong analytical thinking.
- Structured, effective in making things happen with strong local and functional alignments.
- Strong stakeholder management skills, managing conflicting priorities, and working in a dynamic environment.
- End-to-end thinking and effective collaboration across the bank with senior presence.
- Ability to anticipate risks and enable their effective management with an open, positive, and collaborative mindset.
- Ideally, experience with credit decision models processes and policies.
- Fluent in English and ideally in Dutch or French.
- Master's degree with 5 years of relevant experience.
We Offer
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 a pivotal role in credit risk management.
- Get 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 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, 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 prioritize learning and development and help you to achieve your personal goals in this matter.
- **We support your ambitions **beyond your Financial Risk Specialist role in 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.
About the Company
At ING, we redefine banking. What about you? 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.