Credit Risk Expert - Quality Assurance Function

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.

Credit Risk Quality Assurance

You will be part of the Credit Risk Quality Assurance team, a high-performing global function within Credit Risk Frameworks & Control. The team is responsible for executing second-line testing on credit risk policy adherence, identifying control failures, and supporting regulatory engagements. QA works closely with Credit Risk Processes & Control, Risk Management, and business lines to ensure that credit risk controls are not only well-designed but also consistently executed. As a senior member, you will help shape the team’s testing methodology, coach junior colleagues, and represent QA in strategic discussions with senior stakeholders.

As a Senior Credit Risk Expert - Quality Assurance, you will lead independent testing efforts across the credit risk lifecycle, ensuring ING’s controls are effective, compliant, and futureready. You will guide junior colleagues, challenge execution, and drive remediation of issues across global teams. This role requires deep expertise in credit risk and strong leadership capabilities. You will be responsible for designing testing methodologies, leading reviews, and presenting findings to senior management. Your work will directly contribute to strengthening ING’s risk governance and ensuring regulatory compliance.

• Lead 2LoD policy adherence testing, define testing methodology, and prepare planning cycles.
• Select risk-based samples using data analytics and guide junior colleagues in execution.
• Challenge credit risk execution and control processes across 1LoD, Risk, and GCR.
• Independently draft high-quality QA reports, register observations, and propose concrete improvements.
• Monitor control performance and ensure timely remediation of issues and gaps.
• Represent ING in regulatory and audit engagements, managing high-priority issues and ensuring effective resolution.
• Coach and mentor junior team members, fostering a culture of excellence and continuous learning.

• A Master’s degree.
• 10–15 years of experience in credit risk, including knowledge of retail credit processes and products
• Experience in first-line credit risk, lending, underwriting, or portfolio management is highly valued, as it provides a strong foundation for challenging processes, identifying control weaknesses, and driving sustainable improvements across the organization
• Good understanding of retail credit portfolios
• Experience supervising junior colleagues and leading initiatives.
• Deep understanding of credit risk processes and regulatory frameworks.
• Strong stakeholder management and communication skills.
• A proactive, resilient mindset with a passion for improving controls and transparency.
• Ability to influence across functions and drive strategic alignment.

This role offers a unique opportunity for experienced first-line credit professionals to apply their expertise at a broader, strategic level. Rather than focusing on individual transactions or portfolios, you will leverage your knowledge of lending and portfolio management to identify systemic improvement opportunities, strengthen credit risk controls, and drive enhancements across ING's global credit risk framework. The insights gained from reviewing multiple portfolios, products, and geographies allow you to contribute to bank-wide improvements and influence the future of credit risk management at ING.

How to Succeed

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.

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

• 25-28 vacation days depending on contract
• Pension scheme
• 13th month salary
• 8% Holiday payment
• Hybrid working
• Personal growth and challenging work with endless possibilities
• An informal working environment with innovative colleagues

Curious about how ING empowers people and businesses to move forward?

Discover what we do and what we can offer you.

Questions?

Please visit our Frequently Asked Questions section to find some answers on questions you might have. If you're questions are not answered, you can also contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.