Credit Risk Analyst

hace 4 semanas


Madrid, Madrid, España Ing A tiempo completo

About the Role:

We are seeking a talented Credit Risk Analyst to join our Credit Risk Tools Team of Retail Credit Risk at ING. As a key member of our team, you will play a crucial role in managing ING's retail portfolio risk throughout the entire credit cycle with a clear data-driven perspective.

Your Key Responsibilities:

  • Provide 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.
  • Prepare 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.
  • Perform ad-hoc portfolio analysis in a fast-paced and dynamic environment.
  • Understand industry trends and determine macroeconomic factors impacting fundamental credit drivers, as well as shares and develops market's best practices in lending products and risk management.
  • Ensure portfolio's credit quality moves within defined Risk Appetite levels and proposes corrective actions if not.
  • Develop policies in credit risk engines, detects inconsistencies between products, and ensures the quality of data in credit operations.

What We Offer:

At ING, we value our employees' personal and professional growth. We offer a range of benefits, including flexible remuneration, health insurance, life insurance, and a pension plan. Our offices are equipped with state-of-the-art facilities, including electric mobility solutions, a doctor, hairdresser, gym, and more. We also offer a free company shuttle and special loans with more beneficial conditions.

Requirements:

  • 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.
  • Excellent communication skills 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.

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