Job Description :
Reporting to Underwriting Policy & Collection Manager, the resource is a senior member of the Retail Credit Risk Management Team.
The Retail Credit Risk Team covers the full area of lending (Residential Mortgages, Credit Cards, Overdrafts, Personal Loans and Salary Secured Loans) based on portfolio approach acting as 2 Line of Defense.
From this perspective, the Underwriting & Credit Policy Specialist is responsible for updating and maintaining the Local Retail Credit Risk Policy, defining credit rules, promoting 2nd level controls (including the review of 1st line procedures and manuals).
Key Responsibilities:
Credit rules definition
Second level monitoring optimization
Effectively manage relation with relevant stakeholders locally and in Head Office
Collaborate for the Top Management information pack preparation
Requirements :
Hold a degree in Finance or Statistics or Economics or Engineering
5+ years of relevant and thorough experience in the retail credit risk banking sector
Good knowledge of regulatory framework
Ability to analyze, interpret and elaborate data (quantitative analytical skills)
Understanding key drivers within the Italian unsecured lending and mortgage market
Experience on lending via digital channels
Expert in Decision Engine credit strategy management is a plus
Fluent in English
Our preferred candidate has :
Knowledge of SAS (strong)
Knowledge of Excel (strong)
Strong sense of accountability delivers on promises, takes ownership
Out-of-the box thinker
Problem solver and entrepreneurial
Drive for results
Effective and open communication skills
Enthusiast team player
Duration : permanent
Location : Milan (hybrid)
About ING
ING offers many opportunities to build a diverse and rewarding career. You will be joining an international innovative digital bank, the first in Italy to adopt a fully flexible smart working model, and you will be working in a stimulating environment where you can grow both as an individual and as a professional.Our purpose - empowering people to stay a step ahead in life and in business - represents our belief in people’s potential. We don’t judge, coach or to tell people how to live their lives. We empower people and businesses to realize their own vision for a better future.
#doyourthing is our brand direction with us each and every day. It is how we articulate our purpose and our promise to make banking frictionless to the world. ‘do your thing’ is about people being free to live the life they want to live, knowing that they will make their world a little better for it. Do you think you are "a step ahead"? Apply now! The benefits of joining ING
In addition to being a part of a great team, working in a fun and innovative environment, we offer:
Super flexible smart working
Competitive base salaries and performance based bonuses
Diverse cultures & Innovative mindsets
International Environment
Commitment to sustainability
Lots of training development opportunities to help you grow
Lots of moments dedicated to physical and mental well-being
A special day off when it is your birthday: we call it #doyourbirthday!
And of course we can’t forget: free water & coffee at the office!
Our Commitment
Diversity is a fundamental element of our corporate culture, and we are fully committed to creating a safe and inclusive environment, based on mutual respect and the value of diversity, offering equal job opportunities to all qualified candidates.
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