Credit Risk Policy & Regulations Expert
Employee / CDI – Risk – Experienced – Brussels
Permanent contract, Full time, Brussels
Your role & work environment
Being part of the Financial Risk Policies & Procedures team you develop, maintain and review credit risk policies in alignment with the Group standards and the (local) regulations. In this context you will provide your expertise to regulatory and business projects with E2E stakeholders.
Your key responsibilities
The Financial Risk Policy & Process Expert is overall responsible to support the development, maintenance and review of credit risk policies for retail and wholesale clients.
- Develops data driven credit risk policies and procedures ensuring ING operates within the defined credit risk appetite.
- Ensures local policies are in line with Group and European or local regulations (National Belgian Bank, ECB, FSMA, …) and supports the decision process.
- Evaluates the risk impact of each major decision to credit products and processes, bringing dedicated expertise as part of Credit Risk Policy involvement into projects & activities undertaken by lending tribes;
The Financial Risk Policy Expert implements correctly the procedures
- Ensures that systems are correctly adapted to support the policy process
- Monitors the policy deviations (Comply or Explain principle) for each policy
- In cooperation with other colleagues defines the data needed for a performant portfolio monitoring and predictive deep dives
- Defines performance targets and monitors the process performance.
The Financial Risk Policy Expert acts as single point of contact for his/her specific domain of policies
- Represents his/her domain within review/validation meetings;
- Participates actively to workgroups and projects (internally or externally – eg Febelfin) in order to discuss implementation of new regulations
- Documents the risk processes in alignment with the minimum standards of ING Belgium and ensures their consistency;
- Implements remediation plan in case of deficiency and ensures a close follow up of audit recommendations for his/her domain of policies and procedures.
We look for a talent
- Taking challenges and making them happen, enthusiasm and energized for helping others to be successful;
- Having interest in credit risk regulations, data analysis and monitoring;
- Being Green belt certified or willing to become Green belt certified;
- Having a Master’s degree in economics, finance, banking or other related domains;
- With previous experience in retail, Midcorp or Wholesale banking;
- Understanding credit risk management, lending activities, banking industry and regulations developments;
- Working with autonomy and collaboration especially in view of agile way of working;
- Fluent in Dutch, French and English, both written and verbally;
- With ability to manage senior stakeholders and communicate on complex and technical concepts to a broad public in a simple way;
- Good writing, editing, communications and organizational;
- Keen on learning and developing with the credit risk environment.
We offer you
- Personal growth & challenging work with a lot of opportunities to realize your ambitions;
- A dynamic and flexible work environment with enthusiast colleagues.
- A job with high exposure to internal and external senior managers
- Career development
- A specific training path (lean six sigma, Agile, Project, Communication, …)
You are interested and you want to discover further this opportunity don’t hesitate to contact
- Philippe Picron (Manager Policies & Procedures)
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