Risk Data

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 brand 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 than 25 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. In the 2020 KPMG Report on Excellence in Client Experience, ING Bank Romania ranked first in customer experience.

Currently, ING is the 4th bank in the local markets, based on the assets and is a universal bank with 1,6 million clients from three business segments: individual clients (Retail), SMEs and Mid-Corporate clients and Wholesale Banking.

Join us

Your day-to-day

Overall responsible to define, process and explain key risk information required by management, and to prepare credit risk systems and monitoring requirements needed by Credit Risk Management to analyze and assess risk.
- Ensure data integrity & management in cooperation and with the support of the other team members, as key preparation stage for credit risk analytics and reports;
- Coordinates and participates in the process of evaluating and reporting credit risk provisions and related activities, analyzing the characteristics of the existing products in the loan portfolio. Understands models impact and manages the risks with impact on the provisioning process related to credit facility portfolio;
- Coordinates the team of analysts for the correct calculation and reporting of provisions, including in the process component, the material impact of post models manual adjustments (calculated by modelling team) resulting from internal or external regulatory requirements as well as expert adjustments agreed at local or group level;
- Coordinates and manages the activities specific to the provisioning processes/risk cost forecasting/CRWA evolution forecasting and brings them to the attention of the decision-making forums for consideration and proposes appropriate optimization measures;
- Support business process and healthy credit portfolios production by performing client segmentation for various analysis of credit/customer data and behavior in order to support initiatives according to the bank’s strategy;
- Coordinate internal and regulatory projects and offer support, professional view, and guidance to risk data analysts involved for proper and timely implementation of complex projects. Take lead under manager supervision in special projects for the development of crediting processes/ products, ensuring in this context the observance of the relevant analysis requirements and of the applicable reporting regulations (ex: IFRS9, EBA, CRR, BCBS239, etc.);
- Responsible for administrative tasks as they develop and are delegated to him (preparation of memos and presentations on certain topics, preparation of minutes, etc.); covering other responsibilities and specific tasks delegated by the manager, as required by the needs of the activity;
- Carry out all job tasks in accordance with all applicable internal and/ or law requirements, rules;
- Acts as a point of contact and coordinates the team of analysts assigned to provide support to the Financial Department team regarding the methodology for identifying and calculating the correct and optimal reporting requirements both to the local regulator and to the group.

What you bring to the team
- Relevant data management knowledge;
- Solid knowledge in Microsoft Office, Microsoft SQL, SAS, databases and able to learn as per future needs;
- Good understanding of credit risk terminology and related terms (LLP, RWA, NPL, LGD, PD, etc.);
- Ability to use and process databases, to develop reports and statistics; use mathematical tools and quantitative analytics in order to assess credit portfolios;
- Ability to use presentation tools, graphs, charts, and others to present data in a relevant, clear and concise way to support conclusions;
- Knowledge of lending market developments and influencing factors, good understanding of banking rules and regulations;
- Understanding of Finance Reporting Regulation (FINREP) and FINREP calculation methodology, is a plus (not mandatory);
- Fluent in English, both written and verbally;
- Keen on learning and developing within a credit risk environment;
- Solid analytical and interpersonal skills, superior attention to detail, planning and organizin