Senior Product Owner Credit Risk

Deze vacature is niet meer vacant

ING Credit Risk Management is looking for a Product Owner for Credit Decisioning (SME, Mid-Corp, Private banking)!

Your Tribe

Tribe Credit Risk Management (CRM) is an enthusiastic and diverse team of 35 highly qualified professionals spread across three chapters: Policies and Monitoring, Risk Intelligence and Predictive Analytics.

We are responsible for managing the credit risks in the lending portfolios of all segments in the ING NL book (~EUR 160bn). We do this by developing and maintaining compliant policies, setting credit risk appetite, monitoring the portfolios using data driven analyses and developing predictive risk models. We closely cooperate with our business stakeholders in order to contribute to better business while pro-actively managing the associated credit risks.

We are at a decisive moment in designing the future of credit risk management, for which one of the fundaments will be to further unleash the potential of data driven credit risk management including more data driven policy setting. Use of data driven policies will improve decision making, ensure risk management by design and as a result contribute to better business while keeping the bank safe and compliant. Ability to justify decisions based on underlying data is also one of the key regulatory requirements.

Your role

The Chapter Policy and monitoring represents the Tribe’s expertise and skills w.r.t.: credit risk appetite, regulations, general credit risk policies, acceptance policies and credit (risk) processes. The scope is bank-wide and covers all products and segments: Consumers (mortgages and unsecured lending), Business Lending (SME, Mid-Corp and Private banking).

As a Senior Financial Risk Officer

You responsible for part of the Business lending portfolio to:

  • manage risk appetite framework, set risk appetite and monitor limit utilisation
  • maintain up to date policies and monitor adherence to those policies
  • monitoring of the portfolio performance, including forward looking analysis and deriving insights, conclusions and actions
  • provide credit risk related support to the first line
  • You are responsible to keep policies in scope in line with regulatory requirements and execute required changes when those requirements change
  • You drive changes within your scope of responsibility to proactively contribute to better business by embedding data driven risk management decisions into the Credit Risk policies, processes and monitoring activities
  • You are a partner of the business and you perform stakeholder management with the business and Group Risk and regulatory affairs
  • You have performed analytical tasks in your previous role, and therefore able to

Your profile

You have experience dealing with Business Lending segment (Netherlands or international) in 1st or 2nd line roles and therefore have a thorough understanding of

  • Business Lending credit process
  • Business Lending sectors

You have at least 3 years of experience within Credit Risk function of Business Lending portfolio, can include policies, transactional approval, portfolio analysis, modelling, implementation activities. You have performed analytical tasks in your previous role, and therefore able to:

  • Design and drive qualitative and quantitative analysis
  • Conceptually understand Logical Data Model (LDM)/Entity Relationship model (ERM) of data sources relevant to Credit Risk analysis
  • Perform quantitative analysis in excel on advanced level
  • You have worked with Data Bases and acquainted with some of the programming languages
  • You have experience with Credit Risk regulation, i.e. interpretation of the regulation, implementation of the regulation
  • You can write and speak Dutch and English fluently
  • You have proven record of driving and implementing change
  • You have project management experience (experience in Agile Way of Working is a plus)
  • You have hunger for deep understanding and striving for impact
  • You are stress resilient and able to prioritise and manage yourself effectively
  • You constantly develop yourself professionally and you are passionate about Credit Risk related topics

Furthermore, you should adhere to the ING values and it is evident for you that your behaviour is fully aligned with these values. For more information, please visit

What we offer

A job where you really can make a difference and impact for our Customers. Lending is key in financing enterprises and consumers.

A job that provides you with lots of intellectual challenges that will boost your personal, professional, and career development .

Furthermore we provide:

  • 36 hours of 40 hours workweek
  • Flexible working hours and the possibility to work at home
  • 24 vacation days with a 36-hour working week. If you work 40 hours a week, you will receive 27 vacation days
  • A good salary tailored to your qualities and experience
  • Pension scheme
  • A great relocation package in case you need to relocate
  • Great international career opportunities
  • Personal growth and challenging work with endless possibilities to realize your ambitions


Contact the recruiter attached to the advertisement for more information. Want to apply directly? Please upload your CV and motivation letter by clicking the “Apply” button.

About us

ING is a global bank with a strong European base. Our 53,000 employees serve around 38.4 million customers, corporate clients and financial institutions in over 40 countries.

Vacature informatie

Organisatie: ING

Locatie: Amsterdam

Opleidingsniveau: WO

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