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Bachelor’s degree in economics, finance, banking orother related domain, statistical knowledge represents a plus in the context ofstandardization and portfolio level;
Previous experience in retail lending for companies,min 2 years in risk or product development area;
Fundamental understanding of credit riskmanagement, capacity to relate and interpret statistics and mathematicalinstruments used for managing and monitoring of the credit portfolio;
Understand properly the banking industry;
Knowledge of lending market developments (especially company segments) and influencing factors, good understanding ofbanking rules and regulations, products and services, operations and workflowsconcepts, desirably also requirements under Basel II;
Strong ability to effectively use MS Office andmain internal systems related to lending activity (Profile, Credit Platform);
Good writing, editing, communications andorganizational, especially in view of agile and new WOW;
Fluent in English, both written and verbally;
Ability to use presentation skills, graphs, charts,and other tools to display data in a clear and concise way to supportconclusions;
Keen on learning and developing within a creditrisk environment.
Credit Risk Policy Analyst is overall responsible to support the development, maintenance and review of the credit risk policy for company clients, with focus on those segments where the standardization degree is high (predominantly Micro & SMEs).
Supports the evaluation of the risk impact of each major decision related to credit products and processes, bringing dedicated expertise as part of Credit Risk Policy involvement into projects & activities undertaken by the lending tribes;
Ensures local policies are in line with Group andlocal regulations (NBR) and supports the decision process according to assignedgovernance;
Is responsible to define and monitor the correctimplementation of the credit risk policy standards at process, procedures and system level;
Evaluates and decides on individual transactions, as part of the initial credit application as well as part of the review andmodification process, within the assigned authority, while compiling relevantobservations from transaction level and recommending consequent review of thecredit risk policy;
In cooperation with other colleagues, defines the needfor data, portfolio monitoring analytics or any other specific zoom-in indescriptive or predictive form, in order to properly asses the quality andevolution of the credit portfolio plus the corresponding potential actions;
Works in close collaboration with Business & Operational departments in order toensure efficient and accurate processing of credit exposures, including data collection and checks.
ING is the largest online bank in the whole of Europe and a frontrunner in the transformation of banking. At ING, we believe all sustainable progress is driven by people with the imagination and determination to improve their future and the futures of those around them.
Our story in Romania started in 1994. Here we pioneered the local banking industry, bringing new products and services for local corporate. In 2004, ING extended services to individual clients, with an innovative banking model – ING Self’Bank. Today, ING Romania has over 1,100,000 individual active clients and ING Home’Bank is rated as the best digital banking application.
We’re on a journey that’s centered around our customers, powered by technology and driven by smart, determined people. Sharing the purpose of empowering people to stay a step ahead in life and in business, since 2015, ING Tech Center develops banking solutions in the fields of Core Banking Development, Financial Markets and Data Management for ING Group, including ING Bank Romania. By using the latest methodologies in software development, our fast growing team gathers more than 500 tech enthusiasts who work for international projects that go beyond traditional banking.
There has never been a more interesting time to work at ING.
Why work for us? Here’s a snapshot of our perks:
People Development Work from Home Wellbeing Programs Global Opportunities Flexible Work Schedule Staff Discounts Agile Way of Working Awesome Culture Future-Oriented Banking
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