Portfolio Credit Risk Manager

ing; Brussel Hoofdstad; Sur place; EUR 90 000 - 120 000; Plein temps

Résumé du poste

ING Belgium is seeking a Portfolio Manager Credit Risk to play a central role in credit risk management. You will lead comprehensive Private Individuals portfolio analysis and deliver credit insights to fuel proactive risk management and strategic decision-making.

You will join a team with expertise in credit portfolios, economics, data analysis and reporting, offering a dynamic, collaborative environment and opportunities for impact and development within an agile framework.

Qualifications

• Master's degree in economics or related field.
• Excellent data analysis and presentation skills.
• Strong command of English (written and spoken).

Responsabilités

• Analyze and assess credit portfolios and risks to inform decision-making.
• Develop forward-looking credit risk insights and monitoring.
• Prepare and present analyses to stakeholders and senior management.
• Collaborate with risk, front-office and policy owners to drive improvements.
• Support data management and automation of visualization tools.

Connaissances

Data analysis

Analytical thinking

Presentation skills

Teamwork

Problem solving

Formation

Master's degree in economics

Outils

PowerPoint

Excel

PowerBI

Python

Description du poste

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

1. 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

2. Communicate Insights & Recommendations

   Present analyses, conclusions, and recommendations clearly and effectively to stakeholders.

   Provide insights that support senior management and regulatory assurance .

3. 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.

4. 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

• 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 .