Senior Credit Risk Portfolio Analyst

ING Group; Madrid; Híbrido; EUR 40.000 - 70.000; Jornada completa

Descripción de la vacante

ING Group is seeking a Senior Credit Risk Portfolio Analyst to enhance risk management within the Retail Credit Risk Team. The role involves monitoring the mortgage portfolio with a focus on compliance, reporting, and sustainable growth, in a flexible work environment. Ideal candidates will have a relevant degree and extensive experience in risk management, along with strong analytical and programming skills.

Servicios

Flexibility to work from home

Restaurant card

Health insurance for family

Life insurance

Flexible remuneration options

Free company shuttle

Formación

• Proven experience in risk management for retail lending portfolios, especially mortgage lending.
• Excellent knowledge of statistics and/or mathematics.

Responsabilidades

• Contribute to risk management of the Spanish Mortgage Portfolio.
• Collaborate to identify and mitigate risks and ensure regulatory compliance.
• Promote profitable growth of the Mortgage Portfolio.

Conocimientos

Analytical skills

Problem-solving

Fluent in English

Fluent in Spanish

Programming skills in SAS

Programming skills in SQL

Educación

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

Descripción del empleo

At ING we are looking for a Senior Credit Risk Portfolio Analyst

Your role and work environment:

We are seeking a talented and enthusiastic Senior Credit Risk Portfolio Analyst to join our Retail Credit Risk Team within 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, operates in small specialized areas, and involves continuous interaction with international teams.

Your key responsibilities:

As a Senior Credit Risk Portfolio Analyst, you will:

• Contribute positively to the risk management of the Spanish Mortgage Portfolio through reporting, monitoring, and communication.
• Collaborate to identify and mitigate risks, ensuring appropriate capital and provisions, and full regulatory compliance.
• Promote profitable and sustainable growth of the Mortgage Portfolio.

What are we looking for?

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

• Bachelor’s degree or equivalent in Economics, Business, Statistics, Maths, or Econometrics.
• Proven experience in risk management for retail lending portfolios, especially mortgage lending.
• Excellent knowledge of statistics and/or mathematics, along with programming skills in SAS and SQL.
• Strong analytical and problem-solving skills, with knowledge of macroeconomic trends and the banking and financial industry, preferably in Retail Lending.
• Independent, creative, and proactive mindset focused on delivering pragmatic and feasible solutions.
• Fluent in English and Spanish.
• Eager to lead projects.

What do we offer?

We value your time and lessons learned, but also your personal life. At ING, we aim to make your work fulfilling in every aspect. Here’s what awaits you!

• Flexibility: Our model emphasizes flexibility and accountability. You decide with your team which days to work from home and which to come to ING MAD.
• Restaurant card: To make lunch plans easier and more enjoyable.
• Our office as your home: Electric mobility solutions, medical services, hairdresser, gym, The Good Service, and more.
• Health insurance: For you and your family (partner and children).
• Life insurance: To protect what matters most.
• Flexible remuneration: Access services like nursery, transport card, training aids with tax advantages.
• Free company shuttle: Six routes to reach our Madrid office comfortably.
• Banking benefits: Special loans, mortgage conditions after 6 months, pension plan after 1 month.
• Well-being and belonging: Physiotherapy, clinics with professional athletes, Gympass, Employee Networks, International Remote Work program.

Get to know us:

We are a team of over 1,700 people committed to helping clients create a better future. We are a fully online bank, innovative, transparent, and agile, with a presence in over 40 countries. We are proud of our diverse team and our culture of Diversity, Inclusion, and Belonging. Our sustainability journey is a core part of our identity. If you see yourself reflecting our values and way of working, we look forward to meeting you!