Credit Risk Analyst

hace 7 días


Zaragoza, España Ing A tiempo completo

.At ING we are looking for a 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 composed of a team of specialists in charge of managing ING's retail portfolio risk during the whole credit cycle with a clear data-driven perspective. In addition to implementing, testing, and going 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: 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, as well as shares and develops market's best practices in lending products and risk management.Ensures portfolio's credit quality moves 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's 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, or 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


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