Senior Credit Risk Models Analyst

ING España & Portugal; Málaga; Híbrido; EUR 35.000 - 65.000; Jornada completa

Descripción de la vacante

Una empresa innovadora busca un Analista de Modelos de Riesgo de Crédito Senior para unirse a su equipo de Riesgo de Crédito Minorista. En este papel, contribuirás al desarrollo de modelos regulatorios, asegurando un crecimiento sostenible de las carteras de préstamos. La flexibilidad es clave en esta posición, permitiéndote equilibrar tu vida laboral y personal mientras trabajas en un entorno colaborativo y diverso. Si tienes una mentalidad analítica y te apasiona liderar proyectos, esta es tu oportunidad para marcar la diferencia en el sector financiero.

Servicios

Seguro de salud

Seguro de vida

Remuneración flexible

Transporte gratuito

Acceso a gimnasio

Soluciones de movilidad eléctrica

Apoyo en tareas diarias

Redes de empleados

Formación

• Experiencia en carteras de préstamos minoristas y modelos de riesgo de crédito.
• Conocimientos sólidos en matemáticas y estadísticas.

Responsabilidades

• Desarrollar y mantener modelos IRB e IFRS9.
• Colaborar en la identificación y mitigación de riesgos.

Conocimientos

Análisis estadístico

Resolución de problemas

Conocimientos de banca

SAS

SQL

Inglés fluido

Español fluido

Educación

Licenciatura en Economía

Licenciatura en Negocios

Licenciatura en Estadística

Licenciatura en Matemáticas

Licenciatura en Econometría

Herramientas

SAS

SQL

Descripción del empleo

At ING we are looking for Senior Credit Risk Models Analyst

Your role and work environment :

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

The responsibility of this team is to oversight the risk in the Spanish Retail Lending portfolio during the whole credit lifecycle, and our way of working is 100% flexible, in small subject-expert areas, and with a continuous interaction with international teams.

Your key responsibilities :

As a Credit Risk Model Analyst you will :

1. Positively contribute to the development and maintenance of IRB & IFRS9 models
2. Collaborate to identify and mitigate risks through appropriate levels of capital and provisions
3. Ensure the Retail Lending portfolios growth on a sustainable fashion.

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don’t hesitate to apply!

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

What do we offer?

The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.

Be flexible my friend.

Our model is all about flexibility and accountability. Keeping both our customers and our colleagues’ needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing.

Our house will be your home.

In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!

Health insurance.

For you and all your family (spouse / partner and children).

Life insurance.

We help you protect what matters most to you.

Flexible remuneration.

In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…

Free company shuttle.

It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.

More vitality and more belonging

360º care of the employee (physical, mental, social connection & purpose).

Employee Networks : Rainbow Lions (LGBTQI+), Leonas & RIÑG.

Get to know Us

We are a team of more than 1700 people sharing one idea : doing our bit in helping our clients create a better future for themselves , by providing them with the tools they need to get where they want to go.

A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies .

And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.

We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.

Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!