Senior Credit Risk Models Analyst

ING España & Portugal; Torrejón de Ardoz; Presencial; EUR 40.000 - 80.000; Jornada completa

Descripción de la vacante

An innovative financial institution is seeking a Senior Credit Risk Models Analyst to enhance its Retail Credit Risk Team. This role involves developing and maintaining advanced credit risk models while ensuring the sustainable growth of retail lending portfolios. The company values flexibility, offering a 100% adaptable work environment, allowing employees to balance personal and professional life effectively. With a commitment to diversity and sustainability, this forward-thinking organization provides numerous benefits, including health insurance, flexible remuneration, and opportunities for international remote work. Join a team dedicated to creating a better future for clients.

Servicios

Work from home or office flexibility

Electric mobility solutions

Medical services

Gym access

Health and life insurance

Flexible remuneration

Commute support

Special loans

Pension plan

Employee well-being programs

Formación

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

Responsabilidades

• Contribute to the development and maintenance of IRB & IFRS9 models.
• Identify and mitigate risks through appropriate levels of capital.

Conocimientos

SAS

SQL

Analytical Skills

Problem-solving

Statistics

Mathematics

Retail Lending Knowledge

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 oversees risk in the Spanish Retail Lending portfolio throughout the entire credit lifecycle. Our work environment is 100% flexible, organized into small expert areas, with continuous interaction with international teams.

Your key responsibilities :

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

What are we looking for?

If this job is a good fit for you, 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.
• Excellent knowledge of statistics/mathematics and programming (preferably SAS and/or SQL).
• Strong 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 professional challenges. Our offerings include:

• Flexibility: Work from home or office as agreed, with a focus on work-life balance.
• Office amenities: Electric mobility solutions, medical services, gym, hairdresser, and more.
• Health and life insurance: For you and your family.
• Flexible remuneration: Tax-advantaged benefits like nursery, transport, and training aids.
• Commute support: Company shuttle with multiple routes.
• Financial benefits: Special loans, mortgage conditions after 6 months, pension plan after 1 month.
• Employee well-being: Physiotherapy, clinics with professional athletes, Gympass, and employee networks like Rainbow Lions, Leonas, & RIÑG.
• Remote work: International remote work program.

Get to know us

We are a team of over 1700 people committed to helping clients create a better future. As a fully online bank operating in more than 40 countries, we value diversity, inclusion, and sustainability. Our culture is built on agility, innovation, and transparency. If you see yourself aligning with our values and way of working, we look forward to meeting you!