The Global Credit Risk department establishes the credit risk strategy, ensuring ING’s lending practices align with risk tolerance and regulatory requirements, while managing credit restructuring from a central point. Global Credit Risk is vital in protecting the bank from losses due to defaults or economic downturns through its credit risk policies, appetite setting, and portfolio management.

About the Company

ING empowers people and businesses to move forward by providing innovative financial solutions.

The Role

As a Senior Credit Risk Expert - Quality Assurance, you will be part of a high-performing global team responsible for executing second-line testing on credit risk policy adherence, identifying control failures, and supporting regulatory engagements. You will collaborate closely with Credit Risk Processes & Control, Risk Management, and business lines, ensuring credit risk controls are both well-designed and consistently executed. Your leadership will shape the team’s testing methodology, coach junior colleagues, and represent QA in strategic discussions with senior stakeholders.

Responsibilities

• Lead independent testing efforts across the credit risk lifecycle, ensuring controls are effective, compliant, and future-ready.
• Guide junior colleagues, challenge execution, and drive remediation of issues across global teams.
• Design testing methodologies, lead reviews, and present findings to senior management.
• Select risk-based samples using data analytics and mentor junior colleagues in execution.
• Draft high-quality QA reports, register observations, and propose concrete improvements.
• Monitor control performance and ensure timely remediation of issues and gaps.
• Represent ING in regulatory and audit engagements, managing high-priority issues.
• Foster a culture of excellence and continuous learning by coaching and mentoring junior team members.

What We Offer

This role provides a unique opportunity for experienced credit professionals to apply their expertise strategically. You will identify systemic improvement opportunities, strengthen credit risk controls, and influence the future of credit risk management at ING through insights gained from reviewing multiple portfolios and products.

How to Succeed

We seek individuals who are curious, eager to learn, and willing to take on responsibility. Your success in this role will depend on:

• A Master’s degree.
• 10–15 years of experience in credit risk, with knowledge of retail credit processes and products.
• Experience in first-line credit risk, lending, underwriting, or portfolio management.
• Good understanding of retail credit portfolios.
• Experience supervising junior colleagues and leading initiatives.
• Strong stakeholder management and communication skills.
• A proactive mindset with a passion for improving controls and transparency.
• Ability to influence across functions and drive strategic alignment.

Rewards and Benefits

We strive to help you achieve a balance between your career and personal life. Benefits include:

• 25-28 vacation days depending on contract.
• Pension scheme.
• 13th month salary.
• 8% holiday payment.
• Hybrid working options.
• Opportunities for personal growth and challenging work.
• An informal working environment with innovative colleagues.

Application Process

Curious about how ING empowers people and businesses? Discover what we do and what we can offer you. For questions, visit our FAQ section or contact the recruiter attached to the advertisement. To apply directly, please upload your CV and motivation letter by clicking the ‘Apply’ button.