Senior Credit Risk Models Analyst

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 is responsible for overseeing risk in the Spanish Retail Lending portfolio throughout the entire credit lifecycle. Our work environment is 100% flexible, organized into small subject-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 you wonder whether this job is for you, here are some qualities we value:

• Bachelor’s degree or equivalent in Economics, Business, Statistics, Mathematics, or Econometrics.
• Experience with retail lending portfolios, developing, monitoring, or validating regulatory credit risk models in banking or consultancy.
• Excellent knowledge of statistics and/or mathematics, and programming skills in SAS and/or SQL.
• Strong analytical and problem-solving skills, with knowledge of the banking and financial industry, preferably retail lending.
• Independent, creative, proactive mindset, focused on delivering pragmatic solutions.
• Fluent in English and Spanish.
• Eager to lead projects.

What do we offer?

We prioritize your personal fulfillment alongside your professional challenges and lessons. At ING, we care about the details that make your work life balanced and rewarding.

Our flexible work model allows you to decide which days to work from home and which to work at our Madrid office. Our offices feature amenities like electric mobility solutions, a doctor, hairdresser, gym, and more.

Benefits include:

• Health insurance for you and your family.
• Life insurance.
• Flexible remuneration options for services like nursery, transport, and training aids.
• Free company shuttle with multiple routes.
• Special loan and mortgage conditions after 6 months of employment.
• Access to our pension plan after 1 month.
• Employee well-being programs, including physiotherapy, clinics with professional athletes, Gympass, and employee networks.

We also support international remote work and foster a diverse, inclusive culture committed to sustainability and innovation.

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

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