Senior Credit Risk Models Analyst

ING España & Portugal; Gijón; Híbrido; EUR 45.000 - 60.000; Jornada completa

Descripción de la vacante

A leading online bank is seeking a Senior Credit Risk Models Analyst to join its Retail Credit Risk Team. This flexible role involves developing regulatory risk models, analyzing lending portfolios, and collaborating with international teams. The ideal candidate possesses a strong analytical mindset, excellent programming skills, and relevant educational qualifications, contributing to sustainable lending growth.

Servicios

Health insurance

Life insurance

Flexible remuneration

Company shuttle

Wellness programs

Special loans and mortgage conditions

Pension plan

International remote work program

Formación

• Experience with retail lending portfolios and regulatory credit risk models.
• Strong knowledge of statistics/mathematics and programming skills.
• Fluent in English and Spanish.

Responsabilidades

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

Conocimientos

Analytical Skills

Problem Solving

Statistical Knowledge

Programming Skills

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:

Join our Retail Credit Risk Team within ING Risk Domain. The team oversees risk in the Spanish Retail Lending portfolio throughout the credit lifecycle. Our work environment is 100% flexible, operates in small subject-expert areas, and involves continuous interaction with international teams.

Your key responsibilities:

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

What are we looking for?

If you think you’re a good fit, here are some qualities we value:

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

What do we offer?

We prioritize your work-life balance and personal fulfillment. Our flexible model allows you to choose your work-from-home days, with a supportive environment offering various amenities such as health insurance, life insurance, flexible remuneration, company shuttle, and more.

Additional benefits include:

• Special loans and mortgage conditions after 6 months.
• Pension plan after 1 month.
• Employee wellness programs including physiotherapy, clinics, Gympass, and employee networks like Rainbow Lions, Leonas, & RIÑG.
• International remote work program.

Get to know us:

We are a diverse, innovative, fully online bank with over 1700 employees in Spain and presence in more than 40 countries. We foster a culture of diversity, inclusion, and sustainability, aiming to help our clients create a better future.

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