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Predictive Analytics Credit Risk Model Specialist

Regular | Risk Management | Ervaren | Amsterdam | 2024-02-05 | REQ-10068462 | Salarisindicatie 4.240 EUR - 6.882 EUR op basis van 36 uur


Predictive Analytics is responsible for the (co-)development and management of regulatory and non-regulatory Credit Risk models with state-of-the-art modeling methods, tooling and data processing technologies. These models are core to the success of ING and they are applied for different purposes, amongst others to determine capital adequacy, loan loss provisions but also credit decisions and in-life & problem management of loans.  The position offers excellent opportunities to broaden your model development, data management, and organizational skills within an Agile set up.

We are looking for someone with a strong analytical background, experienced with IRB rating system development/ methodologies as well as Credit Decision Models (e.g. scorecards, EWS) and Model Life Cycle. Technical skills should include SAS/Python programming skills and experience with SAS E-miner is a plus. This person should have soft skills such as strong communication and presentation skills, self-starter, autonomous, good team player, organized (e.g. documentation, scripting), creative/ design thinking and agile.

Does it sound interesting? Please read on!

The team

ING DBNL is looking for a Credit Risk Modelling Specialist to strengthen the Predictive Analytics team within the Credit Risk Management department (CRM).The CRM team consists of enthusiastic colleagues who join forces and listen to each other in order to combine and share knowledge, leading to:

  • An economically justified credit risk policy (risk appetite).

  • A risk policy centralising the customers’ interest.

  • Meeting the internal and external guidelines.

  • A thriving work environment.

Roles and responsibilities

The core task is to make an analytical contribution in maintaining a healthy lending portfolio in the near and far future. Your role will be to:

  • Develop analytical methods to monitor the credit risks in the portfolio.

  • Support in model development of regulatory models for IRB-modelling.

  • Collaborating with Business and Risk stakeholders to develop and validate an adequate credit risk policy.

  • Collaborating with the front office, as well as the ING Group Risk and Finance departments, to align the various interests and to exchange knowledge.

  • Collaborating with IT system owners, to ensure adequate data/platform management.

  • Work according to ING’s one Way of Working (agile WoW)

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.

  • More than 5 years of experience in Credit Risk Modelling, including relevant experience in IRB modelling and/or Credit Decision modelling.

  • Deep knowledge of quantitative methods and techniques, experience with Data Science and Machine Learning combined with business knowledge of Credit Risks.

  • MSc degree or PhD in e.g. mathematics, physics, econometrics

  • Experience with development of (credit) (risk) models

  • Excellent knowledge of statistics and/or mathematics

  • Excellent knowledge of programming, preferably in SAS Base, SAS Macro Language, SQL, VBA and Python

  • Experience with risk modeling and business tooling, specifically SAS EG, MS Access, MS Excel, SharePoint

  • Experience with (central) data gathering and processing

  • Knowledge of banking and financial industry, financial and lending products, and processes

  • Experience in being a sparring partner/advisor to senior management

  • You have strong analytical and problem-solving execution skills

  • Excellent communication skills writing and reporting in English & Dutch.

Rewards and 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 https://www.ing.jobs/netherlands/Why-ING/benefits.htm

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.


Vragen over deze vacature?

Neem contact op met Julia Elekes, Recruiter. E-mail julia.elekes@ing.com

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