Senior Credit Risk Expert - Quality Assurance

About the role

ING's Global Credit Risk department sets the bank's credit risk strategy, manages credit restructuring centrally and protects the bank from losses due to defaults or economic downturns. This role sits in the Credit Risk Quality Assurance team, which runs second-line testing on credit risk policy adherence, identifies control failures and supports regulatory engagements. As a senior member, you will help shape the team's testing methodology, coach junior colleagues and represent QA in strategic discussions.

Key responsibilities

• Lead independent testing across the credit risk lifecycle, design testing methodologies and prepare planning cycles
• Select risk-based samples using data analytics and guide junior colleagues in execution
• Challenge credit risk execution and control processes across 1LoD, Risk and GCR
• Draft QA reports, register observations and propose concrete improvements
• Monitor control performance and ensure timely remediation of issues and gaps
• Represent ING in regulatory and audit engagements and manage high-priority issues
• Coach and mentor junior team members

Required profile

• Master's degree
• 10-15 years of experience in credit risk, including retail credit processes and products
• First-line credit risk, lending, underwriting or portfolio management experience is highly valued
• Experience supervising junior colleagues and leading initiatives
• Deep understanding of credit risk processes and regulatory frameworks

Required skills

• Good understanding of retail credit portfolios
• Strong stakeholder management and communication skills
• Ability to influence across functions and drive strategic alignment

What we offer

• 25-28 vacation days depending on contract
• Pension scheme and 13th month salary
• 8% holiday payment
• Hybrid working
• Personal growth and an informal working environment