Senior Risk Model Data Analyst - Business Lending (BOOST)

ing; Amsterdam; Hybrid; EUR 70,000 - 95,000; Full time

Benefits offered by this job

Pension scheme

13th month salary

Holiday allowance

BIS (benefits budget)

Job summary

ING is seeking a Senior Risk Model Data Analyst for Business Lending (BOOST) to drive data-driven decisioning across loan origination, in-life management, and risk monitoring. You will shape data inputs/outputs for regulatory models and production reporting within a cross-functional team.

You will partner with engineers, modellers, and business stakeholders to ensure robust end-to-end data flows, quality, and governance in a dynamic lending environment within the Netherlands.

Qualifications

• Master's degree or equivalent in a quantitative field.
• 3+ years experience as Data analyst.
• Fluency in English (verbal and written) and residency in the Netherlands.

Responsibilities

• Analyse and shape data underpinning regulatory rating models, credit decision models, and in-life management models.
• Connect decision/risk topics to Business Lending journeys in collaboration with stakeholders.
• Monitor and review reports and findings from Model Development, Validation, CAS and ECB.
• Represent Tribe Business Lending in scoping boards and regulator interactions.
• Collaborate with engineers, modellers, and IT to ensure robust data flows and architectures.

Skills

Data analysis

SQL

SAS

PowerBI

Cognos Analytics

English

Team player

Education

Master's degree in Mathematics, Econometrics, Computer Science, Information Management, AI, Statistics or alike

Tools

SQL

SAS

Cognos Analytics

PowerBI

Job description

Senior Risk Model Data Analyst - Business Lending (BOOST)

You will make the difference in Business Lending!

As a Senior Risk Model Data Analyst within Tribe Business Lending, you play a central role in enabling data‑driven digital lending journeys across loan origination, in‑life management, and risk monitoring. You are responsible for analysing and shaping the data underpinning the (re)development and implementation of regulatory rating models, credit decision models, and in‑life management models. Operating at the intersection of credit risk modelling, data engineering, regulatory delivery, and business decisioning, you act as a subject‑matter authority on risk data, model inputs and outputs, and their translation into production, reporting, and regulatory use.

Roles and responsibilities

• Acting as a key contributor to the implementation and change initiatives of regulatory rating models, credit decision models (used in the loan application journey) and in-life management models (e.g. early warning) used across Business Lending segments.
• Responsible for connecting the decision/risk rating topics to the business lending journeys, in close collaboration with the involved customer journey experts, Wholesale Bank and COO/Risk organization
• Challenging, reviewing and following up on the monitoring reports and findings from Model Development, Model Validation, CAS and ECB
• Representing Tribe Business Lending in the scoping board and in interactions with internal and external regulators
• Partnering with engineers, modellers, and IT to safeguard robustness of end‑to‑end data flows and architectures.

Your day‑to‑day work focuses on delivering analyses and insights that steer the operational, commercial, and risk performance of Business Lending.

In parallel, you drive initiatives to make lending journeys more data‑driven by designing, coordinating, and delivering high‑quality datasets for modelling purposes. You organise the ingestion of data into the data lake, act as a data steward, and proactively analyse and improve data quality.

The team

As a Data Analyst, you will be part of Tribe Business Lending Netherlands. In scope are business lending customers from Self-employed to Mid Corporate, and Private Banking mainly for Commercial Real Estate. You support our purpose: "Focus on easy, smart and personal E2E business lending journeys". We empower entrepreneurs to stay a step ahead with easy, smart and personal business lending services. You will be working in an Agile environment by being a member of a multidisciplinary team of 8 to 9 specialists. Your colleagues will have a background in Process management, IT, Data Analytics/Management in the business and risk domain. You work closely with the colleagues from Sales, Pricing, Operations, Credit Risk and Finance.

How to succeed

We are looking for a colleague with a talent for taking it on and making it happen, enthusiasm for helping others to be successful and a knack for always being a step ahead. In other words, you strive to bring fresh ideas to life and embrace challenges in a fast changing and complex environment. You are a naturally collaborative person who listens and invests in others to achieve common goals. You love to challenge the status quo and are eager to propose creative solutions to problems. We hire smart people like you for your potential. Our biggest expectation is that you'll stay curious. Keep learning. Take on responsibility. In return, we'll back you to develop into an even more awesome version of yourself.

• Master's degree in Mathematics, Econometrics, Computer Science, Information Management, AI, Statistics or alike, and/or equivalent experience within data reporting, statistics and modeling.
• 3+ years experience as Data analyst.
• You are analytically strong and are a star in accessing and solving problems, making analyses, and sharing results with impact
• You have experience with querying languages (e.g., SQL, SAS) and dashboarding tooling (e.g. Cognos Analytics, PowerBI)
• Affinity or experience with Business Lending and Credit Risk Management
• To be able to influence and convince not only peers but also the stakeholders based on analytical results
• Communicatively strong, team player and someone who takes initiative and ownership
• You are fluent in English (verbal and written) and hold current residency in the Netherlands. Dutch is a pre

Rewards and benefits

We want to make sure that it's possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

The benefits of working with us at ING include:

• A salary tailored to your qualities and experience based on a 36 or 40 hour working week
• 25-28 vacation days depending on contract
• Pension scheme
• Benefits budget consisting of individual savings contribution (BIS), 13th month salary and holiday allowance
• Hybrid way of working to blend working from home for focus and working from off