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Credit Risk Analyst
hace 3 meses
At ING we are looking for Credit Risk Analyst
Your role and work environment:
We are looking for a talented and enthusiastic Credit Risk Analyst to join our Credit Risk Tools Team of Retail Credit Risk.
The Credit Risk Tools Department is comprised of specialists responsible for managing ING's retail portfolio risk throughout the entire credit cycle with a clear data-driven perspective. In addition, the team implements, tests, and goes live with all policy changes in the credit risk tools. Collaboration with numerous departments of the bank and the current range of products and projects—particularly on the innovation and regulation side—allows for a challenging, varied, and multi-disciplinary work environment.
Your key responsibilities:
For us, a Credit Risk Tools, Risk Policies Analyst is someone who:
Provides effective support to the Business in developing and maintaining credit policies and procedures in the credit risk tools to ensure sustainable lending growth and full compliance with Group Policies and Local regulations.
Prepares regular reporting ensuring data quality and delivery timelines to provide adequate monitoring to identify risk drivers and allow effective decision-making to maximize growth under healthy KPIs.
Performs ad-hoc portfolio analysis in a fast-paced and dynamic environment.
Understands industry trends and determines macroeconomic factors impacting fundamental credit drivers, sharing and developing market best practices in lending products and risk management.
Ensures portfolio's credit quality remains within defined Risk Appetite levels and proposes corrective actions if not.
Develops policies in credit risk engines, detects inconsistencies between products, and ensures the quality of data in credit operations.
What are we looking for?
You have a Bachelor Degree in Mathematics, Statistics, Business, Engineering, or similar.
Full proficiency in Excel, SAS, and SQL.
Other programming languages such as JAVA would be welcome.
Your communication skills enable you to work together with many different parties throughout our organization.
Willing and able to learn and improve your technical and interpersonal skills.
Fluent in written and spoken Spanish and English.
At least 1 year of experience in Credit Risk or Data Analytics, from banking or consultancy.
What do we offer?
The time you spend at work, the challenges you face, and the lessons you learn are very important, but... what about your personal life? At ING, we want your work to fulfill you in every way, and that is why we take care of even the smallest details.
Be flexible, my friend
Our model is all about flexibility and accountability. Keeping both our customers' and our colleagues' needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self.
Restaurant card
So that thinking about what to have for lunch doesn't take up your time or cravings.
Our house will be your home
In our offices, you can find electric mobility solutions, a doctor, a hairdresser, a gym, The Good Service (to help you with your errands), and much more
Health insurance
For you and all your family (spouse/partner and children).
Life insurance
We help you protect what matters most to you.
Flexible remuneration
You will enjoy our flexible remuneration model, allowing you to access other services such as nursery, transport card, and training aids in a more tax-advantaged way.
Free company shuttle
It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42, and A6) to get you to our ING office in Madrid comfortably.
Banking benefits
Special loans with more beneficial conditions and special mortgage conditions after 6 months working at the bank.
More vitality and more belonging
360° care of the employee (physical, mental, social connection & purpose).
Get to know us
We are a team of more than 1700 people sharing one idea: doing our bit in helping our clients create a better future for themselves by providing them with the tools they need to get where they want to go.
A fully online bank where technology, innovation, simplicity, and transparency are the main ingredients, and the first one to work with agile methodologies .
And although we are based in Spain, we are lucky to work in an international bank with a presence in more than 40 countries.
We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion and Belonging.
If you look at yourself in the mirror and your reflection matches our way of being and working... we are looking forward to meeting you
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