Portfolio Credit Risk Manager

ING Belgium; Brussel; Sur place; EUR 90 000 - 130 000; Plein temps

Résumé du poste

ING Belgium is seeking a Portfolio Manager Credit Risk to join a high‑exposure and well interconnected team central to credit risk management. You will analyze Private Individuals portfolios and provide credit insights to fuel proactive risk management and strategic decisions.

You will collaborate with risk, front‑office and policy owners to drive automation, data visualization, and reporting improvements, while maintaining attention to detail and a hands‑on approach.

Qualifications

• Master’s degree in economics, applied economics, statistics, or a related field.
• Very strong data analysis skills with excellent analytical and presentation skills.
• Proficiency in PowerPoint and Excel; experience with PowerBI and Python for data visualization is a strong plus.
• Excellent command of English, written and spoken.
• Strong analytical and problem‑solving skills with a proactive and hands‑on approach.
• Ability to work both independently and collaboratively in a dynamic team environment.
• High attention to detail and the drive to fully understand issues before concluding.
• Resilience, a positive and constructive attitude – ready to make it happen
• Experience with Vortex data is an asset.

Responsabilités

• Analyse & assess credit portfolios.
• Build on portfolio performance and risks to steer lending exposures.
• Highlight economic and business developments leading to credit risk evolution.
• Provide insights from early warning indicators to guide discussions on vulnerabilities.
• Develop risk appetite and monitor developments for senior management.
• Deliver integrated credit risk overviews combining performance data, macro trends, and KPIs.
• Lead or participate in project management activities and data/reporting enhancements.

Connaissances

Data analysis

Analytical thinking

Presentation skills

English proficiency

Problem solving

Independent worker

Collaborative team player

Attention to detail

Resilience

Formation

Master's in Economics

Outils

PowerBI

Python

Excel

PowerPoint

Description du poste

Your Role & Work Environment

As a Portfolio Manager Credit Risk, you will be a key player in a

Your Role & Work Environment

As a Portfolio Manager Credit Risk, you will be a key player in a high‑exposure and well interconnected team, central to ING Belgium’s credit risk management framework. You will be responsible for comprehensive Private Individuals portfolio analysis and credit insights, to fuel proactive credit management across the organisation, ensure that we remain in control of our credit risks and processes and contribute to strategic decision‑making.

You will join a team of motivated professionals with strong expertise in credit portfolios, economics, data analysis and reporting. The team offers a dynamic, collaborative, and impact‑driven environment.

Your Key Responsibilities

• Analyse & Assess Credit Portfolios
• Build on portfolio performance and risks to steer lending exposures
• Highlight economic and business developments leading to credit risk evolution, enabling proactive steering of lending exposures
• Provide key insights stemming from early warning indicators and signals and guide discussions and alignment on product or sector vulnerabilities.
• Develop clear risk appetite and regularly monitor actual developments against it, to timely inform senior management on significant trends.
• Develop forward-looking perspectives to actively steer business developments within risk appetite
• Closely monitor production quality to inform credit acceptance models and policies
• Highlight key developments on production quality for portfolio as well as recent vintages to influence credit acceptance models and policies development
• Review production volumes, risk profiles, underwriting, and early performance data Timely flag shifts in origination quality that may negatively impact future risk exposure.
• Deliver an integrated credit risk overview
• Combine performance data, macroeconomic trends, sector forecasts, process KPIs, and policy compliance for comprehensive credit oversight across customer and product categories
• Communicate Insights & Recommendations
• Present analyses, conclusions, and recommendations clearly and effectively to stakeholders.
• Provide insights that support senior management and regulatory assurance.
• Manage Data & Analytical Tools
• Gather, prepare, and manage relevant data to support portfolio insights and decision‑making.
• Define requirements and contribute to automation and enhancement of data visualisation and analysis tools.
• Drive Change & Collaboration
• Lead or participate in project management activities, ensuring timely delivery of objectives.
• Work closely with risk departments, front‑office teams, and policy owners to support change initiatives, process optimisation, and data/reporting enhancements.
  

We Look For

Required Qualifications And Skills

• Master’s degree in economics, applied economics, statistics, or a related field.
• Very strong data analysis skills with excellent analytical and presentation skills
• Proficiency in PowerPoint and Excel, experience with PowerBI and Python for data visualization is considered a strong plus.
• Excellent command of English, written and spoken.
• Strong analytical and problem‑solving skills with a proactive and hands‑on approach.
• Ability to work both independently and collaboratively in a dynamic team environment.
• High attention to detail and the drive to fully understand issues before concluding.
• Resilience, a positive and constructive attitude – ready to make it happen
• Experience with Vortex data is an asset.
  
  

We Offer You

• Challenging projects with a steep learning curve.
• A dynamic and informal environment where colleagues help you grow.
• An agile way of working that values fresh ideas and continuous improvement.
• Opportunities that support your personal and professional development.