Discover ING Bank

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!

Mission

The Risk Data Science  team  creates  the  optimal  credit  risk  models’  landscape  contributing  to sound credit risk management throughout the lifetime of the loans.

Your day-to-day

• Responsible for IFRS9 and Credit Decision models lifecycle mainly for RB individuals, micro-companies, and SMEs, including:
  • Model development/calibration in an end-to-end manner (project scope & planning, data gathering, model estimation, documentation).
  • Sustain model implementation in the internal systems.
  • Monitor the performance of the models, interpret the results and pro-actively propose solutions for optimization.
  • Ensure compliance with the applicable governance and methodologies.
  • Ensure the pre-requisites for a smooth independent model validation process together with timely closure of related findings.
• Propose a suitable cut-off architecture for the Credit Decision Models by ensuring the optimal risk-acceptance trade-off; conduct recurrent and ad-hoc portfolio analysis and segmentation to periodically identify good risk segments as well as high risk concentrations.
• Support business process and credit production by performing client (pre)selection for various analysis of credit/customer data and behavior to support campaigns based on pre-defined criteria and according to the bank’s strategy.
• Ensure data integrity & management in accordance with the role and applicable credit risk data related policies; work in close cooperation with related departments to ensure that key data properly collected and can be retrieved independently to provide accurate and transparent information to the management.
• Ensure the automation of scripts and documentation of workflows to allow for fast and reliable retrieval of information.
• Use advanced statistical methods like machine learning and artificial intelligence on large and complex datasets to draw insights, patterns, and conclusions to support the strategic objectives of the bank.
• Involvement in global projects as per the strategic priorities at bank level.

What you bring to the team

• University degree in Mathematics/Statistics/Cybernetics.
• Fluent in English, both written and verbally.
• Over 3 years of experience in model development or validation
• Tools: SAS, Microsoft/Oracle SQL, Python, Microsoft Package, Azure DevOps
• Knowledge of lending market developments and influencing factors, good understanding of banking rules and regulations (both Romanian and European).
• Can identify the broader scope, impact, and/or dependencies between business issues, makes good trade-offs between the amount of effort and added value.
• Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
• Manages complexity and has superior attention to detail.
• Swiftly incorporates new concepts and principles into own expertise.
• Organizational, planning and prioritization skills.
• Uses compelling arguments to gain the support and commitment of others.
• Problem-solving skills.

What we offer

• Impactful work in a fun and collaborative environment.
• Open-concept offices designed for both teamwork and relaxation.
• Corporate events and social gatherings.
• Hybrid way of working with flexible working schedule and short week options.
• Monthly budget on Benefit platform.
• Extra annual leave days depending on the total length of working experience.
• Growth opportunities through upskilling/ reskilling programs and a variety of learning and development platforms: ING Learning Centre, Udemy, Bookster, as well as through trainings and certifications.
• Possibility to access Internal roles, International Short-Term Assignments or Long-Term Assignments.
• Context to make an impact through Sustainability and Corporate Social Responsibility projects.