Business Banking Senior Expert

REQ-10090075
10/02/2025
Financial Risk
Milan, Italy

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Job Description:

The resource must have a highly experienced banking professional, with extensive and advanced Credit Risk knowledge, applied to business banking.

The resource Ing Italy is looking for supports the launch of the Business Banking proposition from scratch, deals, within the credit risk department, with underwriting and in-life-management (ILM) practices and the adherence to regulatory requirements and global strategy.

Key Responsibilities:

The Credit Risk BB senior expert will be responsible for providing the skills and competencies required for:

Set up the underwriting and in-life-management (ILM) criteria to support the launch of the new BB proposition.
Set up credit risk appetite, monitor limit utilization and the actions to ensure the adherent to the appetite defined.
Monitoring the Credit Risk performance of the portfolio through the available tools

Efficient implementation and monitoring of the relevant Credit Risk regulations through ensuring local policy compliance with Group and BB Credit Risk policies
Support for the cRWA and LLP provision implementation based on regulation and Global policy.
Stakeholder management at the local level and interaction with Global Retail Credit Risk
Coordination and facilitation of key credit risk activities among the credit risk department.
Collaborate for the Top Management information pack preparation

Requirements:

Degree in Finance or Statistics or Economics
7+ years of relevant and thorough experience in the credit risk function of Business Banking (can include credit risk policies, portfolio analysis, implementation activities, etc)
Experience in LLP and capital calculations and processes in line with regulation and global policy.
Experience with Credit Risk regulation, i.e. interpretation of the regulation, implementation of the regulation
Program and process management skills with regular reporting to senior stakeholders
Decision Engine credit strategy management expertise is a plus
Fluent in English

Our preferred candidate also has:

Ability to design and drive qualitative and quantitative analysis
Extremely flexible approach due to direct exposure to various business environments and roles, at local and international levels
Strong sense of accountability delivers on promises, takes ownership
Out-of-the-box thinker
Drive for results
Enthusiast team player
Effective and open communication skills
Good verbal and written communication skills in English
Record of driving and implementing change
Constantly develop professionally
Passionate about Credit Risk related topics

Working conditions: Full Time

Duration: Permanent

Location: Milan (hybrid)

About ING

ING offers many opportunities to build a diverse and rewarding career. You will be joining an international innovative digital bank, the first in Italy to adopt a fully flexible smart working model, and you will be working in a stimulating environment where you can grow both as an individual and as a professional. Our purpose - empowering people to stay a step ahead in life and in business - represents our belief in people’s potential. We don’t judge, coach or to tell people how to live their lives. We empower people and businesses to realize their own vision for a better future.
#doyourthing is our brand direction with us each and every day. It is how we articulate our purpose and our promise to make banking frictionless to the world.
‘do your thing’ is about people being free to live the life they want to live, knowing that they will make their world a little better for it.
Do you think you are "a step ahead"? Apply now!

The benefits of joining ING

In addition to being a part of a great team, working in a fun and innovative environment, we offer:

·Super flexible smart working

·Competitive base salaries and performance based bonuses

·Diverse cultures & Innovative mindsets

·International Environment

·Commitment to sustainability

·Lots of training development opportunities to help you grow

·Lots of moments dedicated to physical and mental well-being

·A special day off when it is your birthday: we call it #doyourbirthday!

·And of course we can’t forget: free water & coffee at the office!

Our Commitment

Diversity is a fundamental element of our corporate culture, and we are fully committed to creating a safe and inclusive environment, based on mutual respect and the value of diversity, offering equal job opportunities to all qualified candidates.

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ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.