Digital Business Expert - ATM's

At ING we are looking for Digital Business Expert for ATM’s

Your role and work environment:

We are looking for a talented and enthusiastic Digital Business Expert to join our Pay with Cash Squad within the Daily Banking & Savings Tribe.

This role plays a key part in shaping ING’s ATM strategy, ensuring that customers’ cash needs are met while delivering outstanding customer experience and maintaining strict cost efficiency. You will work at the intersection of business strategy, customer insights, partner management and data-driven decision making.

The team is responsible for defining and executing long term strategy considering market trends, closely monitoring customer behaviors and partner performance, and translating insights into concrete actions together with Data Analytics, Marketing and Customer Interaction teams.

We work in an agile environment, where collaboration, ownership and a strong make it happen mindset are essential. You will interact with multiple internal and external stakeholders, all of them critical to the success of the business.

Your key responsibilities:

As a Digital Business Expert of Pay with Cash squad you will:

• Lead and manage complex initiatives and projects involving internal and external stakeholders, working with challenging objectives and tight deadlines.
• Analyze customer behaviour and consumption trends related to cash and ATMs, identifying patterns, opportunities and risks across different networks.
• Build and maintain robust business cases, assessing financial impact, customer value and strategic alignment to support decision-making.
• Continuously monitor financial drivers, evaluating their impact on the Dynamic Plan and proposing corrective or optimization actions.
• Contribute to business and network strategy, ensuring optimal ATM coverage and location, and proactively proposing changes when needed.
• Design and drive customer communication strategies, in close collaboration with Marketing and Customer Interaction teams, to guide customers towards the most convenient ATM solutions (for both customers and ING).
• Own and develop relationships with external partners, ensuring effective governance, performance monitoring and smooth day-to-day collaboration.
• Ensure operational and financial risk is properly managed, in line with internal policies and external regulatory frameworks.
• Actively manage the Voice of the Customer, turning insights into concrete improvements that increase customer satisfaction and loyalty.
• Contribute directly to the business strategy, with a role that has visible impact on results and long-term positioning.

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!

• Proven experience in project and stakeholder management, ideally in complex environments with demanding goals and deadlines.
• Strong ability to develop and defend business cases, combining financial analysis with strategic and customer perspectives.
• Solid customer-centric mindset, with experience analyzing customer trends, behaviors and usage patterns.
• Professional experience in similar roles, preferably managing products such as ATMs, cards and/or cash-related services.
• Strong analytical skills, with advanced knowledge of Excel, Power BI and/or MicroStrategy.
• Excellent communication skills in English and Spanish, with the ability to influence and align diverse stakeholders.
• High adaptability to changing environments and priorities.
• Attention to detail combined with a holistic, strategic view of the business.

What do we offer?

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!

Be flexible my friend.

Our model is all about flexibility and accountability. Keeping both our customers and our colleagues’ needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing.

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, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!

Health insurance.

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

Life insurance.

We help you protect what matters most to you.

Flexible remuneration.

In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…

Free company shuttle.

It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.

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!

More vitality and more belonging

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.

Get to know Us

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.

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.

Job Application Safety Reminder

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 for this information, it’s a scam.