Lending Pricing Expert | Private Individuals @ING Bank

Mission

As a Pricing Expert in Retail Banking, your mission is to be an intrapreneur, shape & continuously refine the pricing strategies for ING’s retail products and services. You will ensure that pricing decisions are data‑driven, transparent, and customer‑centric, while supporting sustainable business growth. By combining analytical expertise with a strong understanding of customer behavior and market dynamics, you will contribute to pricing solutions that are fair, competitive, and aligned with ING’s purpose: empowering customers to stay a step ahead in life and in business.

About the team

You will join a multidisciplinary team within Retail Banking, working closely with Customer Journey Experts, Product Owners, Finance, Risk, Compliance, Legal, and Data teams. The team operates in an agile and collaborative environment, where open dialogue, shared ownership, and continuous improvement are encouraged. Together, the focus is on delivering customer value, ensuring regulatory compliance, and strengthening ING’s long‑term performance through sound and responsible pricing decisions.

Your day to day

In your role, you will be responsible for a broad range of analytical, strategic, and collaborative activities, including:

• Analyzing customer behavior, price elasticity, portfolio evolution, and product profitability.
• Building and interpreting financial and scenario models to assess pricing options and their impact on P&L, capital, risk, and customer outcomes.
• Monitoring pricing performance and translating insights into clear, data‑driven recommendations.
• Contributing to the development, implementation, and maintenance of pricing strategies for retail banking products such as mortgages, consumer lending, and deposits.
• Defining and updating pricing policies, including fees, commissions, and discount frameworks.
• Working closely with Customer Journey Experts to ensure pricing is integrated seamlessly into digital customer journeys and touchpoints.
• Identifying opportunities to simplify pricing structures and improve transparency and customer experience.
• Tracking market trends, competitor pricing, and macroeconomic developments to support ING’s competitive positioning.
• Collaborating with Risk, Compliance, and Legal teams to ensure pricing initiatives meet internal standards and regulatory requirements.
• Supporting reviews, validations, and audit activities related to pricing governance.

What you bring to the team

You bring a combination of analytical strength, business understanding, and collaborative mindset, supported by:

• 3–5+ years of experience in pricing, financial analysis, product management, business performance, or a related role.
• Strong banking experience with an in-depth understanding of lending products, especially mortgages.
• Strong analytical and problem‑solving skills, with the ability to turn complex data into actionable insights.
• A solid understanding of retail banking products, financial indicators, and the regulatory environment.
• Experience working with multiple stakeholders and the ability to influence decisions through clear and structured communication.
• Excellent attention to detail and comfort working with complex datasets.
• A structured, solution‑oriented mindset and a proactive approach to continuous improvement.
• Experience working in an agile environment (considered an advantage).
• Familiarity with analytical or modelling tools such as advanced Excel or Python (nice to have).
• Previous experience in pricing within a regulated industry (nice to have).
• You are a collaborative and inclusive team player, motivated by delivering fair outcomes for customers and sustainable results for the business.

​What we offer

• Impactful work in a fun, inclusive and collaborative environment

• Modern office spaces designed for teamwork, creativity and connection

• Monthly benefit budget to use your way

• Extra paid vacation days based on total experience

• Access to ING Learning Centre, Udemy, Bookster, trainings and certifications

• Internal mobility and opportunities for international assignments

• Opportunities to contribute to sustainability and CSR initiatives

Job Application Safety Reminder ⚠️

To protect yourself from fraudulent job offers:

• Apply only via official ING platforms — ING uses Workday as its recruitment system.

• Emails will always come from @ing.com or @myworkday.com.

• ING will never request payments or banking details during the recruitment process.

How to apply

Click Apply on our careers site and submit your application through Workday.
We’re excited to meet you!

Discover ING Bank Romania

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large. 

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more than 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses. 

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.9 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking. 

Join us!