Retail Lending Strategist
A Retail Lending Strategist will shape the future of Consumer Lending through strategic vision and analytical excellence.
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Nice to have
Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits... don't hesitate to apply!
•3-6 years of experience in client taxation, tax operations, tax reporting, or investment services within the banking sector.
•Knowledge of investment-client taxation and tax reporting obligations.
•Understanding of CRS, FATCA, W-8/W-9 documentation, Withholding Tax, and Double Tax Relief concepts.
•Experience working with operational processes, controls, and regulatory requirements.
•Strong analytical and problem-solving skills with attention to detail.
•Ability to work with large volumes of data and identify inconsistencies.
•Experience using data analysis and reporting tools.
•Strong collaboration and stakeholder management skills.
•Continuous improvement mindset and interest in automation and AI-enabled solutions.
•Ability to work independently while contributing effectively to a team environment.
•Being a role model for the Orange Code:
•Ownership and accountability.
•Collaboration across teams and functions.
•Customer focus and operational excellence.
•Proactive attitude towards change and innovation.
•Languages: Advance Spanish and advanced English.
The time you spend at work, the challenges you face or the lessons you get are very important, but... What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.
Check out what is waiting for you!
Balance That Works.
We put balance to work, so you can do it too. With our customers' needs first, the team´s and your own, we agree when to come to ING MAD and when to work best from home. More time together when it matters, more freedom when you need it.
Meal allowance.
Receive your meal allowance in the way that best suits you: through a meal card or directly in your payroll, giving you greater flexibility and convenience in managing your everyday needs.
More than an office.
In our offices you can find doctor's office, hairdresser, gym, Employee Concierge (to help you with your errands) and much more!
Health and life insurance.
We help you protect what matters most to you, including you and your immediate family.
Flexible remuneration.
Enjoy access to services such as nursery vouchers, public transport and training support, as well as other benefits through our flexible remuneration model.
Commuting made easier.
Our free shuttle service connects different areas of Madrid with ING MAD, helping make your commute to the office more comfortable and convenient.
Banking benefits.
Loans with preferential banking conditions.
Special mortgage conditions after 6 months working at the bank.
And you can benefit from our pension plan after 1 month with us!
Your role and work environment:
We are looking for a talented and enthusiastic Client Tax Services Specialist to join our Client Tax Services Team of Financial Crime Prevention
The responsibility of this team isto execute end-to-end client tax processes across onboarding, in-life management and tax reporting activities.
As a Client Tax Services Specialist you will:
-.Support the execution of end-to-end client tax processes across onboarding, in-life management, and tax reporting activities.
- Maintain and validate client tax information, including tax residency, CRS/FATCA classifications, W-8/W-9 documentation, and withholding tax attributes.
- Perform tax operational controls and ensure data quality across systems and reporting processes.
- Contribute to the preparation, validation, and submission of tax reports to internal stakeholders and external authorities.
- Investigate and resolve tax-related incidents, client queries, exceptions, and data discrepancies.
- Support compliance with local and international tax regulations, including CRS, FATCA, Withholding Tax (WHT), and Double Tax Relief requirements.
- Collaborate with KYC, Operations, Technology, Compliance, and the business to ensure tax requirements are correctly implemented.
- Participate in audits, regulatory reviews, and control testing activities by providing evidence and documentation.
- Identify opportunities to improve processes, increase automation, and enhance data quality.
- Support technology implementations, process redesign initiatives, and tax-related change projects.
- Contribute to the development and maintenance of procedures, controls, and operating documentation.
- Monitor operational KPIs and raise risks, issues, and improvement opportunities proactively.
- Promote a culture of continuous improvement, operational excellence, and customer focus.
Our 360º wellbeing approach supports employees across Financial, Physical, Mental and Social Wellbeing.
On-site physiotherapy service.
A strong wellbeing culture, including Wellhub access, sports communities and activities.
Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.
International Remote work program.
ING is a global financial institution with Dutch roots, offering banking, insurance, and asset management services to over 37 million customers worldwide. The company operates in over 40 countries and is a major player in the European banking sector, with a strong focus on digital transformation and innovation.
In Spain, ING has a significant presence with offices in Madrid and Barcelona, employing over 1,500 people. The Spanish arm is a key hub for the bank's technology, risk, and business functions, offering a dynamic, international work environment. For international professionals, ING Spain provides opportunities to work in diverse areas such as engineering, cybersecurity, data science, and business development, with a strong emphasis on professional growth and a collaborative culture.
We are a team of more than 1900 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.
A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies.
And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.
We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.
And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.
Making things happen, helping others be successful, always being one step ahead-that's our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working...we are looking forward to meeting you!
At ING, you belong just as you are. We hire and support people for their talent and potential - and we know that when you can be yourself, you do your best work.
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