At ING, we are committed to building a resilient and future-fit credit risk organisation. As Credit Risk Quality Assurance Specialist, you will contribute to the second line of defence (2LoD) by performing independent testing of credit risk policy execution and control effectiveness. You will help identify process and control failures early, improve control adherence, and strengthen regulatory compliance.
This role is ideal for someone looking to grow into a credit risk expert. You will be exposed to a wide range of credit risk processes and controls, and learn how to apply testing procedures, interpret results, and contribute to the continuous improvement of ING’s credit risk control environment.
The Team
Global Credit Risk
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, which operates globally and sits within the broader Credit Risk Frameworks & Control function. The team performs independent second-line testing across the credit risk lifecycle, ensuring that ING’s credit risk policies are executed effectively and consistently. The QA team collaborates closely with Credit Risk Processes & Control, Risk Management, and business lines to challenge execution, surface insights, and drive improvements. You will work alongside experienced professionals who will support your development and help you grow into a future credit risk leader.
Roles and Responsibilities
As a Credit Risk Expert Quality Assurance, you will:
Execute independent 2LoD policy adherence testing under supervision, selecting risk-based samples and applying established testing procedures.
Support ad-hoc thematic deep dives when incidents or concerns arise around specific credit risk processes.
Assist in challenging the execution of credit risk management and control processes by 1LoD, Risk, and Global Credit Restructuring.
Contribute to the identification of gaps and root causes, and help draft QA reports with improvement suggestions.
Monitor performance and support timely remediation of issues.
Participate in regulatory and audit engagements (e.g. ECB, internal and external audit), ensuring accurate and timely responses.
How to succeed
We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.
We are looking for the following knowledge and experience:
A bachelor’s / master’s degree in a relevant field (e.g. finance, economics, risk, or a related discipline).
3+ years of experience in credit risk or related domains.
Strong communication and analytical skills.
Ability to work independently and collaboratively across teams. A proactive mindset and eagerness to learn from senior colleagues.
A structured approach to problem-solving and a keen eye for details.
Rewards and benefits
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.
The benefits of working with us at ING include:
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
About us
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.
Skills Required
- Bachelor's or Master's degree in finance, economics, risk, or related discipline
- 3+ years of experience in credit risk or related domains
- Strong analytical skills
- Strong communication skills
- Ability to work independently and collaboratively across teams
- Proactive mindset and eagerness to learn from senior colleagues
- Structured approach to problem-solving and keen eye for detail
- Experience supporting regulatory or audit engagements (e.g., ECB, internal/external audit)
What We Do
ING is a pioneer in digital banking and on the forefront as one of the most innovative banks in the world. As ING, we have a clear purpose that represents our conviction of people’s potential. We don’t judge, coach, or tell people how to live their lives. However big or small, modest or grand, we empower people and businesses to realise their vision for a better future. We made the promise to make banking frictionless, removing barriers to progress, and make people confident in their financial decisions. As a global bank we have a huge opportunity – and responsibility – to make an impact for the better. We can play a role by financing change, sharing knowledge, and innovating. Being sustainable is in all the choices we make—as a lender, as a partner and through the services we offer our customers
