Credit Risk Policy & Regulations Expert
[Employee / CDI – Risk – Experienced – 16 – Belgium]


Your key responsibilities
The Financial Risk Policy & Process Expert is overall responsible to support the development, maintenance and review of credit risk policies for retail and wholesale clients.

• Develops data driven credit risk policies and procedures ensuring ING operates within the defined credit risk appetite.
• Ensures local policies are in line with Group and European or local regulations (National Belgian Bank, ECB, FSMA, …) and supports the decision process.
• Evaluates the risk impact of each major decision to credit products and processes, bringing dedicated expertise as part of Credit Risk Policy involvement into projects & activities undertaken by lending tribes;
• Manage a portfolio of policy changes combining the business development ambitions while maintain the bank safe.

The Financial Risk Policy Expert implements correctly the procedures

• Ensures that systems are correctly adapted to support the policy process
• Monitors the policy adherence (Comply or Explain principle)
• In cooperation with other colleagues defines the data needed for a performant portfolio monitoring and predictive deep dives
• Defines lending criteria for origination and monitoring.

The Financial Risk Policy Expert acts as single point of contact for his/her specific domain of policies

• Represents his/her domain within review/validation meetings;
• Participates actively to workgroups and projects (internally or externally – eg Febelfin) in order to discuss implementation of new regulations
• Documents the risk processes in alignment with the minimum standards of ING Belgium and ensures their consistency;
• Implements remediation plan in case of deficiency and ensures a close follow up of (internal/external) audit recommendations for his/her domain of policies and procedures.

We look for a talent

• Taking challenges and making them happen, enthusiasm and energized for helping others to be successful;
• Having interest in credit risk regulations, data analysis and monitoring;
• Being Green belt certified or willing to become Green belt certified;
• Having a Master’s degree in economics, finance, banking or other related domains;
• With previous experience in Retail, Business or Wholesale banking;
• Understanding credit risk management, lending activities, banking industry and regulations developments;
• Working with autonomy and collaboration especially in view of agile way of working;
• Fluent in Dutch, French and English, both written and verbally;
• With ability to manage senior stakeholders and communicate on complex and technical concepts to a broad public in a simple way;
• Good in writing, editing, communications and organizational;
• Keen on learning and developing with the credit risk environment.

We offer you

• Personal growth & challenging work with a lot of opportunities to realize your ambitions;
• A dynamic and flexible work environment with enthusiast colleagues.
• A job with high exposure to internal and external senior managers
• Career development
• A specific training path (lean six sigma, Agile, Project, Communication, …)

You are interested and you want to discover further this opportunity don’t hesitate to contact

• Philippe Picron (Manager Policies & Procedures)

We redefine banking. What about you?
There has never been a more interesting time to work at ING. We’re on a journey that’s centred around our customers, powered by technology and driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business. We’re proud of that!