Senior Credit Risk Portfolio Analyst

Senior Credit Risk Portfolio Analyst

At ING we are looking for a Senior Credit Risk Portfolio Analyst. Your role and work environment: We are looking for a talented and enthusiastic Senior Credit Risk Portfolio Analyst to join our Retail Credit Risk Team of ING Retail Risk domain. The responsibility of this team is to oversight the risk in the Spanish Retail Lending portfolio during the whole credit lifecycle, and our way of working is split in small subject-expert areas with a continuous interaction with international teams.

Key Responsibilities

• Positively contribute to the risk management of the Spanish Portfolio, particularly for the Personal loans product, through your reporting, monitoring, and communication capabilities.
• Collaborate to identify and mitigate risks, ensuring appropriate levels of capital and provisions, and full compliance with regulatory requirements.
• Promote Personal Loans portfolio growth, together with the product/business side, on a profitable and sustainable manner.

Qualifications & Requirements

• Bachelor’s degree or equivalent in Economics, Business, Statistics, Maths or Econometrics.
• Proven experience in risk management for Retail lending portfolios, particularly Personal Loans. Experience in Consumer Lending for Business Banking customers would also be considered a valuable skill.
• Excellent knowledge of statistics and/or mathematics, as well as programming, in SAS and SQL.
• Strong analytical and problem-solving skills. Knowledge of macroeconomic trends, banking and financial industry.
• Independent, creative and proactive mindset. Focus on delivering pragmatic and feasible solutions.
• Fluent English and Spanish language skills.
• Eager to lead projects.

What we offer

The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details. Check out what is waiting for you!

• Balance That Works. We put balance to work, so you can do it too. With our customers’ needs first, the team´s and your own, we agree when to come to ING MAD and when to work best from home. More time together when it matters, more freedom when you need it.
• Restaurant card. So that thinking about what to have for lunch doesn’t take up your time or your cravings. Our house will be your home. In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!
• Health insurance. For you and all your family (spouse/partner and children).
• Life insurance. We help you protect what matters most to you.
• Flexible remuneration. In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…
• Free company shuttle. It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.
• Banking benefits. Special loans with more beneficial conditions. Special mortgage conditions after 6 months working at the bank. And you can benefit from our pension plan after 1 month with us!
• More vitality and more belonging 360º care of the employee (physical, mental, social connection & purpose).
• Physiotherapy service on site.
• Clinics with professional, world‑class athletes.
• Gympass service.
• Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.
• International Remote work program.

Get to know Us

We are a team of more than 1800 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools we need to get where they want to go. A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies. And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries. We are proud of our diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society. And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey. Making things happen, helping others be successful, always being one step ahead—that’s our DNA.

We welcome you

At ING, you belong just as you are. We hire and support people for their talent and potential — and we know that when you can be yourself, you do your best work.

Here, we’re more than just a workplace – we’re a community of innovators, problem-solvers, and forward-thinkers, dedicated to making a real impact. Whether you’re just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow. Your future at ING starts with one application. Ready to join? We’ve got plenty of opportunities to match your skills and aspirations!

Senior Credit Risk Portfolio Analyst (Spanish)

En ING estamos buscando un/a Senior Credit Risk Portfolio Analyst Tu rol y entorno de trabajo: Estamos buscando una persona con talento y entusiasmo para incorporarse como Senior Credit Risk Portfolio Analyst a nuestro equipo de Retail Credit Risk dentro del dominio de ING Retail Risk. La responsabilidad de este equipo es supervisar el riesgo de la cartera de financiación Retail en España durante todo el ciclo de vida del crédito, y nuestra forma de trabajar se organiza en pequeñas áreas de especialización con una interacción continua con equipos internacionales. Tus responsabilidades principales: Como Senior Credit Risk Portfolio Analyst: Contribuirás de forma positiva a la gestión del riesgo de la cartera española, especialmente en el producto de préstamos personales, mediante tus capacidades de reporting, monitorización y comunicación. Colaborarás en la identificación y mitigación de riesgos, garantizando niveles adecuados de capital y provisiones, así como el pleno cumplimiento de los requisitos regulatorios. Impulsarás el crecimiento de la cartera de Préstamos Personales, junto con el área de producto/negocio, de manera rentable y sostenible.

Qualities we value (Spanish)

• Titulación universitaria o equivalente en Economía, Administración y Dirección de Empresas, Estadística, Matemáticas o Econometría.
• Experiencia demostrable en gestión de riesgos para carteras de financiación Retail, especialmente en Préstamos Personales. La experiencia en Consumer Lending para clientes de Business Banking también se considerará una competencia de gran valor.
• Excelente conocimiento de estadística y/o matemáticas, así como programación en SAS y SQL.
• Sólidas capacidades analíticas y de resolución de problemas. Conocimiento de las tendencias macroeconómicas, la banca y el sector financiero.
• Mentodidad independiente, creativa y proactiva. Orientación a la entrega de soluciones pragmáticas y viables.
• Nivel fluido de inglés y español.
• Interés y motivación por liderar proyectos.

What we offer (Spanish)

El tiempo que pasas en el trabajo, los retos a los que te enfrentas o los aprendizajes que obtienes son muy importantes, pero… ¿qué hay de tu vida personal? En ING queremos que tu trabajo te llene en todos los sentidos, y por eso cuidamos hasta el más mínimo detalle. ¡Descubre lo que te está esperando!

• Balance That Works Ponemos el equilibrio en valor, para que tú también puedas hacerlo. Con las necesidades de nuestros/as clientes/as en primer lugar, el equipo y tú acordáis cuándo venir a ING MAD y cuándo trabajar mejor desde casa. Más tiempo juntos cuando importa, más libertad cuando la necesitas.
• Tarjeta restaurante. Para que pensar qué comer no te quite tiempo ni te genere antojos. Nuestra casa será tu hogar. En nuestras oficinas encontrarás soluciones de movilidad eléctrica, servicio médico, peluquería, gimnasio, The Good Service (para ayudarte con tus gestiones) ¡y mucho más!
• Seguro médico. Para ti y toda tu familia (cónyuge/pareja e hijas e hijos).
• Seguro de vida. Te ayudamos a proteger lo que más te importa.
• Retribución flexible Además, disfrutarás de nuestro modelo de retribución flexible, a través del cual, de una forma fiscalmente más ventajosa, podrás acceder a otros servicios como guardería, abono transporte, ayudas a la formación…
• Servicio de lanzadera gratuito en la empresa No importa dónde vivas. Contamos con 6 rutas (Norte, Centro, Sur, A5, A42 y A6) para llevarte cómodamente a nuestra oficina de ING en Madrid.
• Beneficios bancarios Préstamos especiales con condiciones más beneficiosas. Condiciones especiales en hipotecas tras 6 meses trabajando en el banco. Y podrás beneficiarte de nuestro plan de pensiones después de 1 mes con nosotras y nosotros