Product Lead Credit Decision Engine

At ING we have bold ambitions to improve the digital experience for our customers while empowering people’s financial health. At the same time, we want to make a positive contribution to the society and the world we live in. To deliver on these ambitious promises, we need to have a strong strategic and commercially focused organization around our products. We ensure our squads focus on product innovations that deliver real customer value, are commercially viable, and technically feasible. This is where the Product Lead steps in.

The Product Lead is a position where all elements of a product come together, the what and the how, with an end-to-end responsibility. You define how we manage the business value and how we deliver a differentiating customer experience. You enable your squads to deliver and run the product effectively. We therefore need someone who can contribute to a continuous, emerging, all-round product vision that is covering all elements for the product life cycle, with the goal to increase customer impact and deliver business value.

As our new Product Lead Credit Decisioning Engine, you will be responsible for developing, enabling, and steering the vision on credit decisioning. Credit decisioning is a key capability to create a differentiating experience for our business banking customers. Further developing this capability for internal and external consumption is critical for future commercial success.

The team

You lead cross-functional squads by setting a clear strategic direction, coaching them in execution, and aligning stakeholders around a shared product vision. The people who work in the squads report hierarchically to you, which means it is your job to empower them to thrive and perform at their best. You set direction, you help them to develop their craftsmanship and you have continuous conversations about their career development.

Roles and responsibilities

• Own a product (end-to-end), which means you are accountable for the product vision, including functionality, technology, user experience design, monetising the functionality (or interaction pattern with internal consumers), how to acquire users and customers and offline experiences that are needed to deliver on the product’s value
• Take collective ownership of the product, including engineering and architecture aspects
• Perform analyses to stay on top of market trends, to ensure product’s competitive position
• Define the roadmap of the product to maximize business value through ordering and prioritisation of the product backlog, under consideration of relevant stakeholder needs
• Prioritise the product backlog (both on functional as non-functional requirements as risks, reliability, IT Run, LCM)
• Focus on delivery through collaboration, ability to bring people together to work towards the same purpose. 
• Own the strategic roadmap and drive delivery through data-informed decisions, bold leadership, and a clear focus on outcomes. You are a mandated IT asset owner, risk manager, and in case of a non-generic IT asset, data owner for the product and accept test results and approves (IT) changes on the product
• Ensure adherence to Process Control Standards
• Build and scale high-performing teams, fostering craftsmanship, ownership, and continuous growth.
• Ensure compliancy with relevant regulation and internal/external requirements 
• Are the hierarchical manager of a team of Customer Journey Experts, working in multiple squads organized around your product

How to succeed

A leader who takes things on and makes things happen; who is passionate about helping others to be successful; and has a knack for always being a step ahead. 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.

As a Product Lead, you will need to be able to:

• Build an effective team, that has diverse skills and perspectives to achieve common goals
• Communicate effectively, in which you can adapt your style and the content of your communication to the needs of others you work with. You always pay attention to the input and opinions of others
• Develop talent, by helping people in your team to achieve their career goals by emphasizing the importance of learning, support people in developing new skills and offer opportunities to develop people’s careers
• Have a customer focus, where you build strong customer relationships and deliver customer-centric solutions
• Drive engagement, you create an environment in which people are motivated to perform at their best to help ING to achieve its goals
• Be organisational savvy: you maneuver easily through complex policies, processes and people-related organisational dynamics across ING
• Look ahead, you show a strategic mindset and you find future opportunities which you can translate into concrete strategies
• Be tech savvy, where you anticipate and leverage innovations in digital and technical applications that make ING commercially stronger and more effective

Proven track record and technical skills:

• Experience in defining strategies and policies in order to set and deliver objectives within medium to long time frames
• A proven track record in processes of digitalization, backlog management and resource planning
• Experience in product/service management and development
• Sound experience in building and executing strategic roadmaps
• Experience in explaining complex issues in an easy-to-understand way to get people on board, including by using your strong analytical skills
• Deep expertise in credit risk frameworks, policies, and models is highly desirable, as this role is pivotal in shaping ING’s credit decisioning capabilities.
• An excellent level of English
• A Master’s Degree

Rewards and benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

The benefits of working with us at ING include:

• A salary tailored to your qualities and experience
• 24-27 vacation days depending on contract
• Pension scheme
• 13th month salary
• Individual Savings Contribution (BIS), 3.5% of your gross annual salary
• 8% Holiday payment
• Hybrid working
• Personal growth and challenging work with endless possibilities
• An informal working environment with innovative colleagues

About us

Curious about how ING empowers people and businesses to move forward? Discover what we do and what we can offer you.