RB Portfolio Management Expert | GJA 19

The Global Credit Risk department sets the credit risk strategy, ensuring that ING’s lending practices are in line with its risk tolerance and regulatory requirements and managing credit restructuring from a global and central point. Global Credit Risk plays a critical role via its credit risk policies, credit risk appetite setting and credit risk portfolio management in protecting the bank from losses due to defaults or economic downturns.

Retail Banking Portfolio Management

You will be part of the Retail Banking Portfolio Management team within Global Credit Risk. The team is responsible for overseeing credit risk performance across ING’s retail banking network, including Private Individuals, Private Banking & Wealth Management, and Business Banking. It collaborates closely with various stakeholders such as local credit risk teams and business line stakeholders. As an Expert, you will operate as a senior contributor, supporting strategic initiatives and helping shape the team’s portfolio management and governance agenda.

Job description

At ING, we are committed to building a future-fit credit risk organisation that enables safe, scalable growth across our global retail banking portfolio. As a Retail Banking Portfolio Management Expert I, you will contribute to the oversight and challenge of credit risk performance across retail segments and products. You will support the development of a holistic view of the retail portfolio, ensuring that credit risk remains within appetite and aligned with ING’s strategic direction.

This role combines analytical depth with stakeholder engagement. You will monitor credit risk metrics, support portfolio reviews, and contribute to global forums such as PomCos. You will also provide input to credit risk frameworks and policies, helping ensure consistency and effectiveness across geographies.

Specific Tasks and Responsibilities

As a Retail Banking Portfolio Management Expert, you will:

• Oversee credit risk metrics across retail segments and products. Identify breaches, non-adherence, and emerging risks. Ensure local processes are aligned with group frameworks and propose corrective actions when needed.

• Prepare and contribute to PomCos and other forums. Provide insights based on risk-based analysis and challenge Watchlist decisions to support effective restructuring.

• Provide input to the development of credit risk policies for retail segments. Support the implementation and embedding of frameworks, RAS, and controls in local entities.

• Represent the second line of defence in discussions with regulators, auditors, and internal stakeholders. Support knowledge development and ensure confidentiality and integrity in all engagements.

• Collaborate with the Credit Risk Management team on overarching topics. Study market and regulatory developments and contribute to the evolution of ING’s credit risk strategy.

• Support CAS audits, ECB inspections, and external auditor engagements. Ensure timely responses and effective remediation of findings.

Specific Knowledge and Experience

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious, keep learning, and take on responsibility. In return, we’ll back you to grow into an even more awesome version of yourself.

To thrive in this role, you bring:

• A Master’s degree in a relevant field.

• 10–15 years of experience in credit risk, with strong exposure to retail banking.

• Deep understanding of credit risk metrics, frameworks, and governance.

• Strong analytical and communication skills.

• Ability to work across functions and geographies.

• A proactive mindset and commitment to continuous improvement.