Credit Decision Journey Expert

We redefine banking. What about you?

There has never been a more interesting time to work at ING. We’re on a journey that is centred 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 Tribe 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 Tribe Credit Risk might very well become your future employer.

A day in your life as a Credit Decision Journey Expert driving our Credit Decision Processes

With a strong end-to-end perspective, you design, implement and monitor credit decision processes to support ING’s growth ambitions. You define smart policies as part of the processes, leveraging on credit decision models, sourcing from analytical insights and applying prudent risk principles.

Your profound banking products’ knowledge and your curiosity for customers lending journeys will make you a champion in that role. You combine this unique ability to translate customers’ needs and business requirements into sound credit risk policies, while balancing perspective with your risk hat on.

Your energic drive for change and to challenge status-quo is critical to succeed in this role. You are a problem-solver with analytical thinking looking at processes from an end-to-end perspective. You communicate clearly and collaborate effectively to drive changes. Your sharp eyes for details guarantee proper design, implementation and execution of policies in our credit decision processes.

In particular, you will:

• Design credit decision policies and processes, drive their implementation and continuously evaluate their relevance and effectiveness in automated decisioning to boost safe growth

• Understand customers’ journeys, business requirements and evaluate them against sound risk principles

• Closely engage with our key Business stakeholders to ensure that design and implementation reflect commercial strategy, ambitions and value propositions our Credit risk models 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 and their impact on our credit decision processes and our Group colleagues to co-create processes in line with applicable standards

• Act responsibly and proactively with an end-to-end perspective to ensure soundness, implementation and application of credit risk policies in decision journeys

• Evaluate alternative processes, policy setting, sequencing, and propose solutions, while ensuring compliance with appropriate standards

• Clearly communicate on progress, objectives and way forward by leveraging on key project management and delivery tracking capabilities

We look for

A colleague with a talent for taking it on and making it happen, enthusiasm for helping others to be successful and a knack for always being a step ahead. In other words, you strive to bring fresh ideas to life and embrace challenges in a fast changing and complex environment. You are a naturally collaborative person who listens and invests in others to achieve common goals. You love to challenge the status quo and are eager to propose creative solutions to problems. More specifically in the credit risk for Private Individuals and Private Banking context:

• You have a good understanding of ING’s commercial products and strategy, and credit risk management
• You are acquainted with processes, policies, their implementation and evaluation, and seek for optimization via data exploration and problem-solving
• You have a sense of accountability and are not afraid to take ownership, wanting to make the difference for our customers & employees
• You can present progress, using written and oral communication skills to ensure common understanding of policies
• You are structured, manage complexities and know how to make things happen effectively. A project management experience is an asset
• You demonstrate solid stakeholder management, managing conflicting priorities, working in dynamic environment, and ensuring progress with local and functional alignments
• You apply end-to-end thinking, and you effectively collaborate across the bank with senior presence
• You are solution-oriented with good analytical thinking: you relentlessly strive to find the ideal solution, sometimes out of the box and challenging the status quo
• You anticipate risks and enable their effective management with an open, positive and collaborative mindset
• You dare to speak out
• Fluent in English and Dutch or French
• Bachelor/Master’s degree, over 3 to 6 years relevant experience

We offer you 

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 Tribe Credit Risk, 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 Tribe, 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