Senior Consultant Risk & Data

At ING, we're looking for a Senior Credit Risk Expert to join our Credit Risk Management team. In this role, you'll help shape the policies and frameworks that guide our lending decisions across Business Banking and Wholesale Banking. Your TribeWe're a diverse and enthusiastic team of 76 professionals, organized into four chapters:- Credit Risk Management Business Banking, Private Banking and Wholesale Banking- Credit Risk Analytics- Credit Risk Management Private Individuals- Regional Restructuring UnitTogether, we manage credit risk across ING Netherlands' lending portfolios. We set risk appetite, develop and maintain policies, and monitor portfolio performance using data-driven insights. Role and responsibilitiesAs a Senior Credit Risk Expert, you'll be at the heart of ING's credit risk strategy-working closely with business teams to shape decisions and drive sustainable growth. Partnering with the business - collaborating with front-office teams, credit decision-makers, and group functions to embed risk thinking into everyday decisions and support better outcomes.Assessing new initiatives - evaluating risk appetite for new products or strategies, ensuring a balanced approach that supports innovation while maintaining control.Monitoring portfolio performance - using forward-looking, data-driven insights to identify trends, flag emerging risks, and recommend proactive actions.Driving the risk appetite framework - setting clear boundaries, cascading metrics to operational teams, and ensuring they're effectively applied across the organization.You bring a practical mindset, strong communication skills, and a passion for making credit risk management smarter, faster, and more effective.7+ years of experience in credit risk within Business or Wholesale Banking, gained through roles such as policy development, policy implementation in business processes (e.g. within Tribe Business Lending), front-office deal-making (first line of defense), or second-line credit approval.A strong understanding of business lending products and sectors-experience in a front-office or client-facing role is a big plus.Familiarity with the Dutch market, regulatory landscape, and organizational context is a strong advantage and will help you be effective from day oneExcellent stakeholder management skills-you know how to align risk and reward with business goals.Fluency in English (Dutch is a plus).A salary tailored to your qualities and experience25 - 28 vacation days depending on contractPension scheme13th month salary8% Holiday paymentMobility cardHybrid workingPersonal growth and challenging work with endless possibilitiesAn informal working environment with innovative colleaguesAbout usCurious about how ING empowers people and businesses to move forward?