Retail Lending Risk Analyst en Madrid

This is Us.

A team of more than one thousand people sharing an idea: doing our bit in helping our clients create a better future for themselves, providing them with the tools they need to get where they want to go.

In today’s world, we know this happens because we are a fully online bank. We were born out of that idea and 20 years on, technology, simplicity and transparency continue to be the ingredients of the recipe that leaves the best taste in our mouths: being more than just a bank, someone useful in the lives of the millions of clients who have chosen us.
The way we do things also mirrors our eagerness to innovate. We are proud to be one of the very first banks to work with agile methodologies. It doesn’t ring a bell yet? No worries, we will be delighted to tell you all about it. You will find it’s one of those things you’ll want to repeat over and over.

And although we are based in Spain, we like to cross borders. We are lucky to work with international teams every day across 44 countries, composed of women and men as equal as they are diverse. Because here you are completely free to be who you want to be, love whomever you choose, and even go for pineapple as your pizza topping. 
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!

What are we looking for?

For us, a Risk Analyst is someone who:

Is in charge of managing ING’s portfolio risk during the whole credit cycle.
Provides effective support to the Business in developing and maintaining credit policies and procedures to ensure sustainable lending growth and full compliance with Group Policies and Local regulations.
Prepares regular reporting ensuring data quality and delivery timelines, to provide the adequate monitoring to identify risk drivers and allow effective decision making to maximize growth under healthy KPIs.
Performs ad-hoc portfolio analysis in a fast paced and dynamic environment.
Understands industry trends and determines macroeconomic factors impacting fundamental credit drivers, as well as to share and develop market’s best practices in lending products and risk management.
Ensures portfolio’s credit quality moves within defined Risk Appetite levels and proposes corrective actions if not.

About you:

You have a Bachelor Degree in Mathematics, Statistics, Business and Engineering or similar. 
Full proficiency in Excel, SAS and SQL.
You have extensive experience with transforming data to extract key insights using statistical/analytical concepts. 
You are able to see things from a different perspective and to make original solutions work in practice. 
Your communication skills enable you to work together with many different parties throughout our organization. 
Willing and able to learn and to improve your technical and your interpersonal skills. 
Fluent in written and spoken Spanish and English.
At least 3 years of experience in a comparable role. Experience in digital Point-of-sale (POS) financing solutions and/or Collections analytics would be welcome.

whose day at ING looks very much like this:

7.00 - 10.00 h / Arrives at the office (Flexible start time) 
At 10.00 h / Daily planning and others
At 11.00 h / Ad-hoc analysis of the impact of last changes in Credit Risk acceptance process 
At 12.00 h / Working meeting with Business and other stakeholders
At 13.00 h / Take a break and go down to the canteen
At 14.00 h / Regular portfolio monitoring
16.00 - 19.00 h (Flexible end time). Goes to the paddle tennis court for a game.
Win or lose, a shower and off to home.

What do we offer?

Flexible schedule. 
What goes on at ING matters much to us. 
But we know that the most important things are outside the office.

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

Life and health insurance. 
For you and all your family (spouse/partner and children).
Free company shuttle. 
We take you from Madrid city center to our offices at Las Rozas (and back!)

Banking benefits.
Special loan or mortgage terms after 6 months working at the bank.
And benefit from our pension plan after 2 years with us.

More health, more sports.
Paddle tennis court and lessons available to you
Runners club with your own trainer
Clinics with professional, world-class athletes
Physiotherapy service on site