Senior Credit Risk Models Analyst

ING España & Portugal; Cartagena; Presencial; EUR 45.000 - 65.000; Jornada completa

Descripción de la vacante

ING España & Portugal is seeking a Senior Credit Risk Models Analyst to join their Retail Credit Risk Team. This role involves developing and maintaining credit risk models while ensuring the sustainable growth of retail lending portfolios. The ideal candidate will have a strong analytical background and experience in banking or consultancy. Flexibility and a supportive work environment are key aspects of this position.

Servicios

Flexibility and autonomy

Health and life insurance

Flexible remuneration

Free company shuttle

Well-being initiatives

Formación

• Experience with retail lending portfolios and credit risk models.
• Strong knowledge of statistics/mathematics.

Responsabilidades

• Develop and maintain IRB & IFRS9 models.
• Identify and mitigate risks in retail lending portfolios.
• Ensure sustainable growth of Retail Lending portfolios.

Conocimientos

Analytical Skills

Problem Solving

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

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 the ING Risk Domain.

The team is responsible for overseeing risk in the Spanish Retail Lending portfolio throughout the entire credit lifecycle. Our work environment is 100% flexible, organized in 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 capital and provisions.
3. Ensure sustainable growth of the Retail Lending portfolios.

What are we looking for?

If you wonder whether this job is suited for you, here are some qualities we value highly. If they fit you, don’t hesitate to apply!

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

What do we offer?

We value your personal fulfillment alongside your work challenges and lessons. At ING, we care about every detail to support your well-being.

Highlights include:

• Flexibility and autonomy: Choose your remote and office days.
• Our office: Equipped with mobility solutions, healthcare, gym, and more.
• Health and life insurance: Coverage for you and your family.
• Flexible remuneration: Access to services like nursery, transport, training aids.
• Transport: Free company shuttle across multiple routes.
• Loans and mortgages: Special conditions after 6 months, pension plans after 1 month.
• Well-being initiatives: Physiotherapy, clinics, Gympass, employee networks, and international remote work programs.

Get to know us

We are a team of over 1700 people dedicated to helping clients create a better future. As a fully digital bank operating in more than 40 countries, we embrace diversity, inclusion, and sustainability, aiming to empower our clients and staff alike.

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