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Senior Credit Risk Portfolio Analyst

On-site in Madrid·Added 6 days ago

ING

43 open roles

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What they ask for

  • Have the right to work in Spain

    ING doesn't mention sponsorship in the ad.

  • Work on-site in Madrid

    No relocation package mentioned.

You'll most likely need Spanish to apply.This job was automatically translated to English,.

The role

At ING we are looking for Senior Credit Risk Portfolio Analyst

We are looking for a talented and enthusiastic Senior Credit Risk Portfolio Analyst to join our Retail Credit Risk Team of ING Retail Risk domain.

The responsibility of this team is to oversight the risk in the Spanish Retail Lending portfolio during the whole credit lifecycle, and our way of working is split in small subject-expert areas with a continuous interaction with international teams.

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

We are looking for a talented and enthusiastic person to join our Retail Credit Risk team within the ING Retail Risk domain as a Senior Credit Risk Portfolio Analyst.

The responsibility of this team is to supervise the risk of the Retail financing portfolio in Spain throughout the entire credit life cycle, and our way of working is organized into small areas of specialization with continuous interaction with international teams.

What you'll do

As a Senior Credit Risk Portfolio Analyst you will:

Positively contribute to the risk management of the Spanish Portfolio, particularly for the Personal loans product, through your reporting, monitoring, and communication capabilities.

Collaborate to identify and mitigate risks, ensuring appropriate levels of capital and provisions, and full compliance with regulatory requirements.

Promote Personal Loans portfolio growth, together with the product/business side, on a profitable and sustainable manner.

As a Senior Credit Risk Portfolio Analyst:

You will positively contribute to the risk management of the Spanish portfolio, especially for the personal loans product, through your reporting, monitoring, and communication capabilities.

You will collaborate in the identification and mitigation of risks, ensuring appropriate levels of capital and provisions, as well as full compliance with regulatory requirements.

You will drive the growth of the Personal Loans portfolio, together with the product/business area, in a profitable and sustainable manner.

What are we looking for?

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!

What are we looking for?

Do you want to know if this position is made for you? These are some of the qualities we value most for this position. And if you fit them... don't hesitate to apply!

Requirements

What we're looking for

- Proven experience in risk management for Retail lending portfolios, particularly Personal Loans. Experience in Consumer Lending for Business Banking customers would also be considered a valuable skill.

- Excellent knowledge of statistics and/or mathematics, as well as programming, in SAS and SQL.

- Strong analytical and problem-solving skills. Knowledge of macroeconomic trends, banking and financial industry.

- Independent, creative and proactive mindset. Focus on delivering pragmatic and feasible solutions.

  • Demonstrable experience in risk management for Retail financing portfolios, especially in Personal Loans. Experience in Consumer Lending for Business Banking clients will also be considered a high-value competency.
  • Excellent knowledge of statistics and/or mathematics, as well as programming in SAS and SQL.
  • Strong analytical and problem-solving skills. Knowledge of macroeconomic trends, banking, and the financial sector.
  • Independent, creative, and proactive mindset. Focus on delivering pragmatic and viable solutions.

Nice to have

- Eager to lead projects.

  • Interest and motivation for leading projects.

Education & certifications

- Bachelor's degree or equivalent in Economics, Business, Statistics, Maths or Econometrics.

  • University degree or equivalent in Economics, Business Administration and Management, Statistics, Mathematics or Econometrics.

Languages

- Fluent English and Spanish language skills.

  • Fluent level of English and Spanish.

Pay & benefits

What you'll get

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.

Restaurant card.

So that thinking about what to have for lunch doesn't take up your time or your cravings.

Our house will be your home.

In our offices you can find electric mobility solutions, a doctor, a hairdresser, a gym, The Good Service (to help you with your errands) and much more!

Seguro médico.

Para ti y toda tu familia (cónyuge/pareja e hijos).

Seguro de vida.

Te ayudamos a proteger lo que más te importa.

Retribución flexible.

Además, disfrutarás de nuestro modelo de retribución flexible, a través del cual podrás acceder a otros servicios de forma más ventajosa fiscalmente, como guardería, tarjeta de transporte, formación...

Autobús de empresa gratuito.

No importa dónde vivas. Tenemos 6 rutas (Norte, Centro, Sur, A5, A42 y A6) para llegar cómodamente a nuestra oficina de ING en Madrid.

Banking benefits.

Special loans with more beneficial conditions.

Special mortgage conditions after 6 months working at the bank.

And you can benefit from our pension plan after 1 month with us!

360º care of the employee (physical, mental, social connection & purpose).

Physiotherapy service on site.

Clinics with professional, world-class athletes.

Gympass service.

Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.

International Remote Work Program.

The time you spend at work, the challenges you face or the things you learn are very important, but... what about your personal life? At ING we want your work to fulfill you in every way, and that's why we take care of every last detail.

Discover what awaits you!

We value balance, so you can too. With our customers' needs as our top priority, you and your team agree on when to come to ING MAD and when to work better from home. More time together when it matters, more freedom when you need it.

Restaurant card.

So that thinking about what to eat doesn't take up your time or make you crave things.

Our house will be your home.

In our offices you'll find electric mobility solutions, medical services, a hairdresser, a gym, The Good Service (to help you with your paperwork) and much more!

Health insurance.

For you and your entire family (spouse/partner and children).

Life insurance.

We help you protect what matters most to you.

Furthermore, you'll enjoy our flexible compensation scheme, through which, in a more tax-advantageous way, you can access other services such as childcare, transport vouchers, training support...

No matter where you live. We have 6 routes (North, Center, South, A5, A42 and A6) to take you comfortably to our ING office in Madrid.

Special loans with more favorable conditions.

Special mortgage conditions after 6 months working at the bank.

And you'll also be able to benefit from our pension plan after 1 month with us!

360º care for our employees (physical, mental, social connection and purpose).
Physiotherapy service in the offices.
Clinics with world-class professional athletes.
Gympass service.
Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.
International remote work program.

About ING

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.

Industry
Banking and Fintech
Founded
1991
Employees
50,000–60,000
Headquarters
Amsterdam, Netherlands
In Spain
Madrid
Website
ing.es

Good to know if you are moving

  • ING Spain is a major tech and risk hub, with many roles in English, making it accessible for non-Spanish speakers.
  • The company offers a hybrid working model and supports relocation packages for international talent.
  • ING is a global leader in digital banking, providing strong brand recognition and career development opportunities.
  • The Spanish offices are located in Madrid, a major European capital with a high quality of life and excellent international connectivity.
  • The bank has a strong focus on internal mobility, allowing employees to move between different departments and countries.

In their own words

About the company & team

We are a team of more than 1800 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.

Restaurant card.

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.

We are a team of more than 1,800 people who share the same idea: doing our part to help our customers create a better future for themselves, providing them with the tools they need to get where they want to go.

A 100% digital bank, where technology, innovation, simplicity and transparency are the main ingredients, and the first to work with agile methodologies.

And although we are in Spain, we are lucky to work for an international bank with a presence in more than 40 countries.

We are proud to have a diverse team, and we are committed to continuing to develop a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all groups in society.

And although on the outside we are orange, on the inside we are green. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are on this journey for ourselves, but we also accompany our customers when they decide to embark on it.

Making things happen, helping others succeed, always staying one step ahead: that's our DNA. If you look in the mirror and your reflection matches our way of being and working... we can't wait to meet 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.

Additional information

We're seeing an increase in fraudulent job offers. To protect yourself, please follow these key guidelines when applying for roles at ING:

  • Apply only via official ING platforms: ING uses Workday and LinkedIn as its internal recruitment system. Applications should be submitted only via our official career site or via ING job postings on LinkedIn.
  • Check the sender's email carefully: Legitimate communication will always come from @ing.com and/or @myworkday.com.
  • No payments or banking details will ever be requested: If someone asks you for this information, it is a scam.

______________________________________________

We are detecting an increase in fraudulent job offers. To protect yourself, follow these key guidelines when applying for positions at ING:

  • Apply only through official ING platforms: ING uses Workday and LinkedIn as its internal recruitment system. Applications must be submitted only through our official careers site or through ING job postings on LinkedIn.
  • Carefully check the email sender: Legitimate communications will always come from @ing.com and/or @myworkday.com.
  • Payments or banking details will never be requested: If someone asks you for this information, it is a scam.
All open roles at ING

Where you'd work

ING · Madrid

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