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Tribe Credit Risk Management (CRM) is an enthusiastic and diverse team of 35 highly qualified professionals spread across three chapters: Policies and Monitoring, Risk Intelligence and Predictive Analytics. We are responsible for managing the credit risks in the lending portfolios of all segments in the ING NL book (~EUR 160bn). We do this by developing and maintaining compliant policies, setting credit risk appetite, monitoring the portfolios using data driven analyses and developing predictive risk models. We closely cooperate with our business stakeholders in order to: contribute to better business while pro-actively managing the associated credit risks. The world we operate in, is changing rapidly and is characterized by: continuously increasing regulatory scrutiny, high commercial ambitions, increasing data availability through for example PSD2 and desired customer journeys that rely heavily on automated processes including credit decision making and in-life management. It is our strong believe that having a clear strategy and future vision on credit risk management is crucial for dealing with these developments. We are at a decisive moment in designing the future of credit risk management, for which one of the fundamentals will be to further unleash the potential of data driven credit risk management including more data driven policy setting. Use of data driven policies will improve decision making, ensure risk management by design and as a result contribute to better business while keeping the bank safe and compliant. Ability to justify decisions based on underlying data is also one of the key regulatory requirements.
Your role: The Chapter Policy represents the Tribe's expertise and skills w.r.t.: credit risk appetite, regulations, general credit risk policies, acceptance policies and credit (risk) processes. The scope is bank-wide and covers all products and segments: Consumers (mortgages and unsecured lending), Business Lending (SME, Mid-Corp and Private banking). As a Financial Risk Officer
You responsible for part of the Business lending portfolio to;
manage risk appetite framework, set risk appetite and monitor limit utilisation
maintain up to date policies and monitor adherence to those policies
monitoring of the portfolio performance, including forward looking analysis and deriving insights, conclusions and actions
provide credit risk related support to the first line
You are responsible to keep policies in scope in line with regulatory requirements and execute required changes when those requirements change
You drive changes within your scope of responsibility to proactively contribute to better business by embedding data driven risk management decisions into the Credit Risk policies, processes and monitoring activities
You are a partner of the business and you perform stakeholder management with the business and Group Risk and regulatory affairs
You have experience dealing with Business Lending segment (Netherlands or international) in 1st or 2nd line roles and therefore have a thorough understanding of
Business Lending credit process
Business Lending sector groups/differences
You have at least 3 years of experience within Credit Risk function of Business Lending portfolio, can include policies, portfolio analysis, modelling, implementation activities
You have performed analytical tasks in your previous role, and therefore able to
Design and drive qualitative and quantitative analysis
Conceptually understand Logical Data Model (LDM)/Entity Relationship model (ERM) of data sources relevant to Credit Risk analysis
Perform quantitative analysis in excel on advanced level
You have worked with Data Bases and acquainted with some of the programming languages
You have experience with Credit Risk regulation, i.e. interpretation of the regulation, implementation of the regulation
You have good verbal and written communication skills in English and Dutch
You have proven record of driving and implementing change
You have project management experience (experience in Agile Way of Working is a plus)
You have hunger for deep understanding and striving for impact
You are stress resilient and able to prioritise and manage yourself effectivley
You constantly develop yourself professionally and you are passionate about Credit Risk related topics
Furthermore, you should adhere to the ING values and it is evident for you that your behaviour is fully aligned with these values. For more information, please visit http://www.ing.jobs/Netherlands/Why-ING/This-is-ING-too/ING-Values.htm
Internal Number: 5864637
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