Senior Credit Risk Models Analyst

ING España & Portugal; Bilbao; Presencial; EUR 40.000 - 70.000; Jornada completa

Descripción de la vacante

ING is seeking a Senior Credit Risk Models Analyst to join their Retail Credit Risk Team in Bilbao. The role involves developing credit risk models, mitigating risks in retail lending, and requires strong analytical skills, programming knowledge, and relevant educational background. ING offers a flexible work environment, health insurance, and various employee benefits.

Servicios

Flexibility & Accountability

Health & Life Insurance

Flexible remuneration

Free company shuttle

Beneficial loan and mortgage conditions

Participation in pension plan

Employee well-being programs

International remote work program

Formación

• Experience with retail lending portfolios.
• Developing, monitoring, or validating regulatory credit risk models.
• Independent, creative, proactive with pragmatic solutions.

Responsabilidades

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

Conocimientos

Analytical skills

Problem-solving skills

Knowledge of statistics/mathematics

Programming in SAS

Programming in SQL

Knowledge of banking and financial industry

Fluency in English

Fluency in Spanish

Educación

Bachelor’s degree in Economics

Bachelor’s degree in Business

Bachelor’s degree in Statistics

Bachelor’s degree in Maths

Bachelor’s degree in Econometrics

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 the ING Risk Domain.

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

Your key responsibilities :

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

What are we looking for?

Interested in this role? We value the following qualities:

• 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/mathematics and programming, preferably in SAS and/or SQL.
• Strong analytical and problem-solving skills, with knowledge of banking and financial industry, especially Retail Lending.
• Independent, creative, proactive, with a focus on pragmatic solutions.
• Fluent in English and Spanish.
• Eager to lead projects.

What do we offer?

We prioritize your personal fulfillment alongside work challenges and lessons. Here’s what awaits you:

• Flexibility & Accountability: Decide your work-from-home days in a model that values flexibility.
• Our House: Offices equipped with mobility solutions, health services, gym, and more.
• Health & Life Insurance for you and your family.
• Flexible remuneration: Access to services like nursery, transport, training aids through tax-advantaged benefits.
• Transport: Free company shuttle with multiple routes.
• Beneficial loan and mortgage conditions after specified periods.
• Participation in our pension plan after 1 month.
• Employee well-being programs including physiotherapy, clinics, Gympass, and employee networks.
• International remote work program.

Get to know us

We are a team of over 1700 people committed to helping clients create a better future, leveraging technology, innovation, simplicity, and transparency. Based in Spain, but with a presence in over 40 countries, we foster a culture of Diversity, Inclusion, and Belonging, and are committed to sustainability and social responsibility.

If you see yourself in our values and way of working, we look forward to meeting you!