Head of Credit Analytics

Head of Credit Analytics (Lead Financial Risk IV)

Credit Risk

50% work from home

GJA Function Level: 20

A day in your life

As the Head of Credit Analytics, you will play a pivotal role in shaping the framework and methodologies that the credit risk teams employ. You will oversee comprehensive portfolio analysis and be accountable for credit insights, to fuel proactive credit management across the organisation.
 

Key accountabilities include:

• Provide one integrated view including analysis on portfolio quality across all segments and portfolios. Ensure this analysis is consistently used as effective communication towards a variety of (senior) stakeholders

• Lead and prepare credit risk assessment and risk appetite statement, including planning/forecasting of key asset quality metric (i.e. NPL ratio, risk costs)

• Lead and prepare Risk Cost, LLP and Credit RAS reporting ensuring deep insight of senior stakeholders

• Propose changes to portfolio composition based on forward looking portfolio analysis and develop methodologies to detect and assess materiality of emerging risks

• Develop and maintain Macro & Portfolio Early warning framework, Sector framework, Asset Quality Reviews to use as effective tool to steer portfolios

• Coordinate all credit analytics and management reporting, including design and production of new dashboards (i.e. KRI per segment, capacity management, scorecard performance, Time to Decision analytics and reporting)

• Lead and prepare Portfolio Management Committees and Valuation Board ensuring effective decision making by providing high quality analysis, actively challenging Senior Credit officers and timely follow-up on actions;

• Ensure complete, accurate and consistent delivery on regulatory / ING Group ad-hoc requests in close collaboration with reporting CoE and act as one entry point towards ‘external’ stakeholders;

• Functionally steer the deliverables of CoE Reporting (Finance) and the team in Risk Hub Poland (Risk data & analytics) to ensure ready for use data and reports;

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you have strong analytical skills, combined with curious mindset fueling strong strategic insights, in order to enable effective decision making.

Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

• Good understanding of the various business segments and related credit risks including target clients and products;

• Very strong data analysis skills with excellent analytical and presentation skills;

• Strategic thinking, executive presence with ability to effectively collaborate at senior level and influence leaders across the organisation.

• Mature in stakeholder management, managing conflicting priorities and ensuring progress

• Forward thinking profile, with an open and collaborative mindset

• Very good leadership abilities: performance management and talent development, being an inspirational leader, steering high performing and engaged teams.

• Resilience, a positive and constructive attitude – ready to make it happen;

In this function you will have the opportunity to:

• Impact and shape credit appetite of ING BE
• Influence the sustainable growth strategy of ING,
• Lead and shape the function in the new set up of the Credit Risk Tribe
• Play a pivotal role in Risk management and growing as a senior leader

The team

The role will report directly to the Credit Risk Tribe Lead, closely partnering with CRO, other risk leaders and business functions.

Do you want to know more before applying? Don’t hesitate to reach out to any of the Risk Leaders, CRO, HRBP or assigned recruiter – we’re always up for a coffee!