Credit Risk QA Lead: Independent Oversight & Improvement

ING Türkiye; Fatih; On-site; TRY 120,000 - 180,000; Full time

Benefits offered by this job

Agile culture

Space for ideas and innovation

Well-being and work-life balance

Job summary

ING Türkiye is seeking a Credit Risk Quality Assurance Manager within the Credit Risk Strategy, Policies & Project Management Department to independently assess the effectiveness of credit risk governance, policies, standards, and control frameworks across the lending lifecycle.

The role acts as an independent second-line risk oversight function ensuring design, implementation, and operation meet internal and regulatory expectations.

Qualifications

• Bachelor’s or Master’s Degree from a local or foreign university with curriculum in English, preferably in Economics, Business Administration, Banking & Finance, Industrial Engineering, Statistics, Mathematics, Law, or other relevant disciplines.
• +4 years of experience in Credit Risk Management, Credit Risk Governance, Credit Controls, Internal Control, Internal Audit, Risk Management, Quality Assurance, or other risk oversight functions within the financial services industry.
• Strong understanding of retail and/or wholesale credit risk management across the lending lifecycle.
• Sound knowledge of credit risk governance principles, internal control frameworks, and regulatory expectations applicable to banking activities.
• Experience in conducting reviews, assessments, testing activities, audits, risk analyses, or control effectiveness evaluations.
• Ability to assess complex processes and identify weaknesses in framework design, policy requirements, control design, implementation practices, or operational execution.
• Strong analytical thinking, problem-solving capability, and attention to detail.
• Excellent communication, stakeholder management, presentation, and report-writing skills.
• Ability to provide constructive challenge and independent opinion while maintaining effective working relationships.
• Experience in data-driven analysis and preparation of management reporting.
• Fluent in English, both written and spoken.

Responsibilities

• Conduct independent quality assurance reviews and risk-based assessments across credit risk activities, processes, policies, standards, and governance arrangements.
• Evaluate whether credit risk frameworks, policies, standards, controls, and procedures are appropriately designed, effectively implemented, and operating in line with internal and regulatory expectations.
• Perform thematic reviews, deep-dive assessments, and targeted investigations focusing on key credit risk areas, emerging risks, incidents, and control weaknesses.
• Assess both the design and implementation effectiveness of credit risk controls and identify opportunities to strengthen the overall risk management framework.
• Provide independent challenge over credit risk practices by identifying weaknesses, inconsistencies, gaps, or improvement opportunities in policy requirements, governance arrangements, control frameworks, or operational execution.
• Analyze review results, determine root causes of identified findings, and formulate clear, practical, and risk-based recommendations.
• Prepare high-quality reports and management presentations summarizing observations, findings, key risks, trends, and remediation recommendations.
• Monitor agreed remediation actions and evaluate whether identified issues have been effectively addressed.
• Contribute to the continuous enhancement of quality assurance methodologies, testing approaches, and risk-based review practices.
• Collaborate with Business Banking, Retail Banking, Risk Management, Internal Control, Compliance, Internal Audit, and Global Risk stakeholders while maintaining an independent perspective.
• Support internal and external audit engagements as well as regulatory reviews by providing subject matter expertise and relevant quality assurance insights.
• Monitor external developments, industry practices, and regulatory expectations that may impact the effectiveness of the credit risk management framework.
• Promote a culture of transparency, accountability, challenge, and continuous improvement across credit risk processes and governance practices.

Skills

Analytical thinking

Problem solving

Attention to detail

Communication skills

Stakeholder management

Presentation skills

Report writing

Independent opinion

Data analysis

Management reporting

English proficiency

Education

Economics/Business/Finance degree

Job description

ING Türkiye is seeking a Credit Risk Quality Assurance Manager within the Credit Risk Strategy, Policies & Project Management Department to independently assess the effectiveness of credit risk governance, policies, standards, and control frameworks across the lending lifecycle.

The role acts as an independent second-line risk oversight function ensuring design, implementation, and operation meet internal and regulatory expectations.