Credit Risk Specialist

2 maanden geleden


Amsterdam, Noord-Holland, Nederland ING Voltijd

We are a highly motivated team that specialises in credit risk policies, regulations, and governance. Our goal is to set and maintain ING's global Credit Risk Framework and group credit risk policies ensuring a compliant and up to date policy house. We are the subject matter experts on credit risk regulations being the centre of competence and responsible for knowledge sharing within ING Group. Additionally, the team has an oversight role on policy compliance and implementation.

For this team ING is seeking for two credit risk specialists who focus on testing policy compliance of credit risk related topics. The Credit Risk Policy team works from our head office in Amsterdam.

ING is committed to executing its business with the highest level of integrity, including strict compliance with all applicable laws and regulations of the markets and jurisdictions in which it operates. And credit risk, as the most important banking risk, is managed within rigid external and internal requirements which our policies and business colleagues must adhere to allow ING to achieve its strategic objectives. That's why it is so important to have strong internal controls for policy compliance and intervene before there are any negative consequences due to non-compliance.

What you'll do

You will be primarily responsible for testing adherence to ING's distressed debt management policies (Definition of Default, Early Warning Indicators and Forbearance). You will select risk-based samples, also using data analyses. You will collaborate, be trained and report to senior policy experts. You will register observations, identify root causes, and produce suggestions for improvement & concrete recommendations. You will, together with your senior colleagues bring this to senior management. You will build and maintain a stakeholder field with respective 1st and 2nd line teams. You will work in a team where we discuss performance, identify improvements, and learn from each other. How to succeedWe 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 back you to develop into an even more awesome version of yourself.

Personal qualities and behavioural traits

Fluent in English. With a master's degree or equivalent. With strong analytical and reading skills, able to understand, digest, and interpret credit risk policies and credit packs. With strong communication skills, both written and verbal. With proficiency in data analysis (using ING applications like Vortex, Vantage, ARIA etc.). With the ability to identify problems. Discussing and solving them with your senior colleagues. With the ability to value different perspectives, and think critical and independently. With the ability to 'get people on board' being thorough and persuasive. Preferred qualifications Experience in quality assurance monitoring and/or internal/external audit. Practical knowledge & experience with credit risk regulations (CRR, EBA Guidelines on NPL, DoD). Experience as a credit risk analyst: conducting in-depth analysis of credit applications, incl. analysis of credit structures and risks, in-depth financial analysis, and business risk assessment. Certification in Audit, Non-Financial Risk or (Quantitative) Risk Management. What we offer Challenging work with the possibility to show added value while realising your ambitions. An informal environment with colleagues willing to teach & help each other, celebrating success. The opportunity to learn and acquire in dept knowledge on credit risk policies, regulations and related internal ING processes. A salary tailored to your qualities and experience ( scale 9/10). Flexible working hours and hybrid working from the office and working from home. A job for 36 to 40 hours. Reimbursement for travel expenses. 24 vacation days with a 36-hour working week. If you work 40 hours a week, you will receive 27 vacation days. Pension scheme. 13th month salary. Individual Savings Contribution (BIS), 3.5% of your gross annual salary. 8% Holiday payment. Questions?

Contact the recruiter attached to the advertisement for more information. Want to apply directly? Please upload your CV and motivation letter by clicking the "Apply" button.

About us

With around 60,000 employees and operations in over 40 countries, there is no shortage of opportunities for people with initiative who want to make a difference. We hire smart people like you for your potential, not your past. Our biggest expectation is that you'll stay curious. Keep learning. Take on more responsibility. In return, we'll back you to develop into an even more awesome version of yourself.

If you want to work at the cutting edge of what's possible, surrounded by progressive, inspiring, and supportive colleagues, there is no better place to invest your talents than at ING. Join us. Apply today.



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