Senior Credit Risk Models Analyst

ING España & Portugal; Barcelona; Híbrido; EUR 50.000 - 80.000; Jornada completa

Descripción de la vacante

A leading company in banking seeks a Senior Credit Risk Models Analyst to join their Retail Credit Risk Team. The role involves developing models to oversee risks in the Spanish Retail Lending portfolio. Candidates should have strong analytical skills and experience with regulatory models, along with a proactive mindset. Flexibility for remote working and various employee benefits are offered.

Servicios

Flexibility and autonomy

Health and life insurance

Flexible remuneration with tax advantages

Transport benefits

Financial benefits including special loan conditions

Employee well-being programs

International remote work program

Formación

• Experience with retail lending portfolios and regulatory credit risk models.
• Excellent knowledge of statistics, mathematics, and programming skills preferred in SAS and SQL.
• Fluency in English and Spanish.

Responsabilidades

• Contribute to the development and maintenance of IRB & IFRS9 models.
• Identify and mitigate risks in the retail lending portfolios.
• Ensure sustainable growth of the Retail Lending portfolios.

Conocimientos

Statistics

Mathematics

Programming

Analytical skills

Problem-solving

Knowledge of banking

Educación

Bachelor’s degree in Economics, Business, Statistics, Maths, or Econometrics

Herramientas

SAS

SQL

Descripción del empleo

At ING, we are looking for a Senior Credit Risk Models Analyst.

Your role and work environment :

We seek a talented and enthusiastic Senior Credit Risk Models Analyst to join our Retail Credit Risk Team within ING Risk Domain.

The team's responsibility is to oversee the risk in the Spanish Retail Lending portfolio throughout the entire credit lifecycle. Our working model is 100% flexible, operating in small, subject-expert areas, with continuous interaction with international teams.

Your key responsibilities :

• Contribute to the development and maintenance of IRB & IFRS9 models.
• Identify and mitigate risks through appropriate levels of capital and provisions.
• Ensure the sustainable growth of the Retail Lending portfolios.

What are we looking for?

If you're wondering whether this role fits you, here are some qualities we value highly. If they resonate with you, don’t hesitate to apply!

• Bachelor’s degree or equivalent in Economics, Business, Statistics, Maths, or Econometrics.
• Experience with retail lending portfolios, developing, monitoring, or validating regulatory credit risk models in banking or consultancy.
• Excellent knowledge of statistics and/or mathematics, and programming skills, preferably in SAS and/or SQL.
• Strong analytical and problem-solving skills. Knowledge of banking and the financial industry, especially Retail Lending.
• Independent, creative, and proactive mindset. Focused on delivering pragmatic and feasible solutions.
• Fluent in English and Spanish.
• Eager to lead projects.

What do we offer?

We value your personal fulfillment alongside your professional challenges and growth. Here’s what awaits you at ING!

• Flexibility and autonomy: Decide your work-from-home days and when to come to the Madrid office.
• Our office as your home: Electric mobility solutions, healthcare, gym, personal services, and more.
• Health and life insurance: Coverage for you and your family.
• Flexible remuneration: Access to services like nursery, transport, training aids, with tax advantages.
• Transport: Free shuttle routes across Madrid.
• Financial benefits: Special loan conditions, mortgage options after 6 months, pension plan after 1 month.
• Employee well-being: Physiotherapy, clinics with professional athletes, Gympass, and employee networks like Rainbow Lions, Leonas & RIÑG.
• International remote work program.

Get to know us

We are a team of over 1700 people committed to helping clients create a better future through innovative, transparent, and agile banking. Based in Spain, but operating across more than 40 countries, we foster a diverse and inclusive culture, committed to sustainability and empowering our community.

If you see yourself aligning with our values and working style, we look forward to meeting you!