Offer summary

Qualifications:

Strong educational background in finance, risk management, or related fields., Proven experience in credit risk management and policy design., Excellent stakeholder management and leadership skills., Knowledge of banking products, lending processes, and regulatory requirements..

Key responsibilities:

Lead the development and implementation of credit risk strategies and policies.

Coordinate cross-functional teams to optimize credit risk processes and ensure compliance.

Manage the end-to-end delivery of credit risk changes and enhancements.

Report on the effectiveness of credit processes to internal and external stakeholders.

Job description

Lead Financial Risk III – “Product Area Lead” Retail

Credit Risk

50% work from home

GJA Function Level: 19

A day in your life

Contribute to the vision and strategy for credit risk components that are integrated part of lending products of the bank

Focus on process optimization, execution discipline, and cross-functional collaboration; own innovation and continuous improvement based on data drive insights: drive automation and digitization, recommend process improvements to enhance efficiency and recommend tools and new technologies

Own functional design of credit elements (i.e. credit policy rules or models) needed for efficient and effective management of credit risk within individual portfolio and/or total bank level

Define technical implementation requirements and steer implementation of changes across IT platforms (including decision making engine)

Own roadmap for delivery of agreed milestones and steer execution of credit risk changes for end-to-end implementation regarding the credit process and respective engines

Combine versatile credit expertise and profiles to ensure overall consistency in the design of the final credit features of the products / process

Act as the bridge between business tribes, transactional risk domains while eliminating knowledge silos within risk teams (policy, models, data, analytics) to remove bottlenecks and accelerate delivery.

Accountable that implemented credit process meets defined risk appetite, align with Group standard and is regulatory compliant

Prepare key performance reports on effectiveness of credit process toward internal and external stakeholders

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

You have a strong sense of accountability and demonstrated track record in delivery of complex roadmaps

You excel at stakeholder management, with an ability to effectively and frequently connect at senior level, managing conflicting priorities and ensuring progress

Strategic and 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

Strong understanding of risk management processes and ING Belgium products, lending and portfolio.

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

In this function you will have the opportunity to:

Lead and shape this newly created function in a new set up

Learn and develop into a seasoned Risk professional

Directly contribute to the growth strategy of ING

The team

The role will report directly to the Credit Risk Tribe Lead, closely partnering with other risk 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!

Required profile