Principal Transaction Approval - Asset Based Finance

Empowering responsible growth through smart credit decisions

Join our dynamic Sector & Asset Based Finance team, where you’ll combine analytical expertise with strategic thinking to manage complex credit transactions for leading Dutch Mid Corporate clients. We’re looking for a strategic and hands-on leader to guide our Leasing & Commercial Finance risk team. You’ll be at the heart of complex credit decisions, working closely with commercial colleagues and shaping the future of asset-based finance. This is your chance to make a real impact, on our clients, our portfolio, and your team. If you thrive in a fast-paced environment and enjoy combining analytical depth with leadership, we’d love to meet you.

The team

The Transaction Approval & Advice (TA&A) department is responsible for analysing, advising on, and approving tailored lending transactions. We ensure these align with ING’s risk appetite while supporting sustainable business growth. Our 50 risk managers are organised into three teams:

• Portfolio (loans ≤ €5M)

• Sector & Asset Based Finance (> €5M)

• Specialised Lending (Sustainable Finance, Structured Debt & Equity)

You’ll join the Sector & Asset Based Finance team, which consists of 20 professionals across three industry clusters. Your focus will be on Asset Based Finance (ABF), including ING Lease and ING Commercial Finance. We are a dynamic and collaborative team, working closely with Front Office and Sales to take responsible credit risks. We support each other, step in when needed, and value flexibility and a proactive mindset; especially given the fast-paced nature of our work. If suitable, we offer increased responsibilities to match your personal learning curve. Our working language is Dutch, so fluency is essential

Role and responsibilities

You’ll lead a team of 5 risk managers and act as the key contact for ING Lease and ING Commercial Finance. You’ll oversee portfolio performance, support product development, and ensure alignment between 1st and 2nd line responsibilities. You’ll also co-lead team development, coaching, and performance evaluation.

In addition to your leadership role, you’ll be hands-on in managing and advising on client transactions - from origination to closing - while safeguarding ING’s credit risk appetite.

Furthermore, you will:

• Approve and advise on credit applications, modifications, and reviews

• Monitor the ABF portfolio and propose improvements

• Define and advise on risk appetite for ABF products

• Coach and develop team members

• Collaborate with front office and support departments

• Maintain strong relationships with internal and external stakeholders

• Ensure compliance with credit policies and approval conditions

• Support other Sector & ABF teams when needed

• Contribute to risk policy development and strategic projects

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

To succeed in this role, you’ll need:

• 8+ years of experience in lending, with strong credit analysis skills

• Proven experience in Asset Based Finance (preferred)

• Familiarity with legal documentation (e.g. LMA, FAAN)

• A collaborative mindset and strong communication skills

• A proactive, hands-on attitude with high integrity

• Confidence to challenge ideas constructively and think independently

• Affinity with data and automated credit decisioning

• Fluent in Dutch and English

• Academic background (MSc) in Finance, Business, Economics or similar

What we offer

• A collaborative, inclusive team culture

• Opportunities to grow and take ownership

• A role where your expertise directly shapes ING’s risk strategy

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

●          25 - 28 vacation days depending on contract

●          Pension scheme

●          13th month salary

●          8% Holiday payment

●          Mobility Card

●          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.

Questions?
Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.

We are looking forward to your application!