Senior Credit Risk Models Analyst

ING España & Portugal; Santander; Híbrido; 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 Spain. This role involves developing credit risk models, ensuring compliance within the Retail Lending portfolio, and contributing to sustainable growth strategies. Candidates should possess a Bachelor's degree and relevant experience in banking or consultancy, alongside strong analytical abilities and programming skills.

Servicios

Flexible work model

Modern office amenities

Health insurance

Life insurance

Flexible remuneration options

Participation in pension plan

Employee wellness programs

International remote work opportunities

Formación

• Experience in retail lending portfolios and developing regulatory credit risk models.
• Independent and proactive with focus on pragmatic solutions.
• Eager to lead projects.

Responsabilidades

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

Conocimientos

Strong analytical skills

Problem-solving skills

Knowledge of banking

Programming skills (SAS, SQL)

Fluent in English

Fluent in Spanish

Educación

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

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. This 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 are 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, or 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; 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 your professional challenges. Our offerings include:

• Flexible work model allowing you to choose your work-from-home days.
• Modern office amenities including mobility solutions, health services, gym, and more.
• Health insurance for you and your family.
• Life insurance.
• Flexible remuneration options for services like nursery, transport, and training.
• Free company shuttle with multiple routes.
• Beneficial loan and mortgage conditions after specified periods.
• Participation in our pension plan after one month.
• Employee wellness programs including physiotherapy, clinics, Gympass, and employee networks.
• International remote work opportunities.

Get to know us

We are a diverse team of over 1700 people committed to helping clients create a better future. We are an innovative, fully online bank operating in more than 40 countries, dedicated to diversity, inclusion, sustainability, and making a positive impact.

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