Back to search result

Senior Credit Risk Expert

Employee | Risk Management | Professional | Netherlands | Amsterdam | 2024-04-02 | REQ-10070506


The Chapter Credit Risk Portfolio Management represents the Tribe’s expertise and skills w.r.t.: credit risk appetite, regulations, general credit risk policies as a tool for credit decisioning throughout the loan lifecycle from origination to special asset management and collections. The scope is bank-wide and covers all products and segments within Business Banking and Private Banking lending scope (from one-man businesses to Mid-Corp clients). Credit Risk management framework covers several dimensions including sector, product and ESG angles as well as range of automation from instant to assisted to customized/manual.

Roles and responsibilities

As a Senior Financial Risk Officer, you are responsible for part of the Business lending portfolio to:

  • manage risk appetite framework, optimally allocate risk appetite, cascade RAS metrics to operational level and monitor effectiveness of RAS allocation

  • 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

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we'll back you to develop into an even more awesome version of yourself.

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 in different stages of automation

  • Business Lending sectors and product

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 in English fluently (Dutch is an advantage)

  • 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

Rewards & benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. You can find out more about our employment conditions at

The benefits of working with us at ING include:

  • A salary tailored to your qualities and experience 

  • 24-27 vacation days depending on contract

  • Pension scheme

  • 13th month salary

  • Individual Savings Contribution (BIS), 3.5% of your gross annual salary

  • 8% Holiday payment

  • Hybrid working to blend home working for focus and office working for collaboration and co-creation

  • Personal growth and challenging work with endless possibilities

  • An informal working environment with innovative colleagues

About us

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us. Apply today.


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.

Please note, multiple interview steps involving various business stakeholders will be part of the selection process.


Questions about this opportunity?

Feel free to contact Anwar Smadi, Recruiter. e-mail:

Back to top

Please be aware that the recruitment procedures, (labour) regulations and labour agreements of Netherlands apply.

Yes No