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 digitalization, customer satisfaction and delivering impact in a sound environment is part of their DNA? Do you want to make the difference for our customers thanks to our agile way of working? Then read what comes next 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 translate business needs and regulatory or policy standards into sound credit risk policies and clear implementation requirements. In doing so, you use relevant analytical insights and understand how credit decision models contribute to effective, prudent and increasingly automated decisioning.
Your curiosity for Business Banking 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 drive for change and willingness to challenge the status quo are critical to succeeding in this role. You are a structured problem-solver who can assess policy and process gaps, clarify business needs and translate them into practical requirements. You combine analytical thinking with sound judgement, clear communication and effective collaboration to drive change from design through implementation. Your eye for detail helps ensure that policies are complete, consistent and correctly embedded 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 supporting safe growth and automated decisioning.
• Perform policy and process gap analyses against regulatory requirements, Group standards, business strategy and existing decision journeys, and translate identified gaps into clear remediation actions.
• Understand customer journeys and business needs, challenge them against sound risk principles, and convert them into clear, consistent and testable business requirements.
• Coordinate requirements throughout design, implementation and validation, ensuring traceability from policy intent to the operational decision process.
• Work closely with Business stakeholders to align design and implementation with commercial strategy, ambitions and value propositions.
• Collaborate with credit risk model and analytics experts, using relevant insights and understanding model implications when shaping policies and decision rules.
• Engage with Group colleagues to co-create processes that are consistent with
applicable standards.

• Act responsibly and proactively with an end-to-end perspective to ensure the sound design, implementation and application of credit risk policies in decision journeys.
• Assess alternative process and policy options, resolve ambiguities and propose workable solutions while ensuring compliance with applicable standards.
• Clearly communicate progress, decisions, dependencies and the way forward,
supported by effective project management and delivery tracking.

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 Business Banking context
• Have strong knowledge of Business Banking products, strategy and credit risk
management.
• Have experience with credit risk policies and processes, including gap analysis, interpretation of standards and translation into concrete implementation requirements.
• Can structure, document and validate clear business requirements throughout
implementation.
• Combine analytical thinking with an affinity for data and the credit modelling landscape; experience with SAS, SQL or similar tools is an asset.
• Work in a structured and solution-oriented way, manage complexity and dependencies, and anticipate risks; project management experience is an asset.
• Communicate clearly across seniority levels and effectively align stakeholders with differing priorities.
• Take ownership, dare to speak up and collaborate across the bank to deliver end-to-end results.
• Hold a relevant Bachelor’s or Master’s degree, have at least five years of relevant experience, and are fluent in English and Dutch or French.

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.