Portfolio Credit Risk Manager

ING Belgium; Brussel Hoofdstad; On-site; EUR 90,000 - 130,000; Full time

Job summary

ING Belgium is seeking a Portfolio Manager Credit Risk to play a key role in the credit risk management framework. You will analyze Private Individuals portfolios, derive insights from data, and support proactive credit management across the organization.

You will join a skilled team with expertise in credit portfolios, economics, data analysis, and reporting. The role offers a dynamic, collaborative environment and opportunities to influence strategy.

Qualifications

• Master’s degree in economics, applied economics, statistics, or a related field.
• Strong data analysis skills and presentation capability.
• Proficiency with PowerPoint and Excel; experience with PowerBI and Python for data visualization is a plus.
• Excellent command of English (written and spoken).
• Strong analytical and problem-solving skills with a proactive, hands-on approach.
• Ability to work independently and in a team within a dynamic environment.
• High attention to detail and a drive to understand issues before concluding.
• Resilience and a constructive attitude; readiness to deliver.
• Experience with Vortex data is an asset.

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 and enable proactive steering
• Provide insights from early warning indicators to guide discussions on vulnerabilities
• Develop clear risk appetite and monitor developments against it for senior management
• Develop forward-looking perspectives to steer business within risk appetite
• Monitor production quality to inform credit acceptance models and policies
• Review production volumes, risk profiles, and underwriting data
• Deliver an integrated credit risk overview combining performance data, macro trends, sector forecasts and KPIs
• Communicate insights, conclusions, and recommendations to stakeholders
• Support data management and analytical tooling to enhance decision making
• Lead or participate in project management activities to deliver objectives
• Collaborate with risk, front-office, and policy teams to support change initiatives
• Drive data reporting enhancements and automation

Skills

Data analysis

Presentation skills

PowerPoint

Excel

Python for data visualization

PowerBI

English proficiency

Analytical thinking

Independent and collaborative work

Education

Master’s degree in economics, applied economics, statistics, or related field

Tools

PowerBI

Python

Excel

Vortex data

Job description

Your Role & Work Environment

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

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.