At ING we are looking for Senior Credit Risk Portfolio Analyst

Your role and work environment: We are looking for a talented and enthusiastic Senior Credit Risk Portfolio Analyst to join our Retail Credit Risk Team of ING Retail Risk domain. The responsibility of this team is to oversight the risk in the Spanish Retail Lending portfolio during the whole credit lifecycle, and our way of working is split in small subject‑expert areas with a continuous interaction with international teams.
Your key responsibilities:

Positively contribute to the risk management of the Spanish Portfolio, particularly for the Personal loans product, through your reporting, monitoring, and communication capabilities.
Collaborate to identify and mitigate risks, ensuring appropriate levels of capital and provisions, and full compliance with regulatory requirements.
Promote Personal Loans portfolio growth, together with the product/business side, on a profitable and sustainable manner.
What are we looking for?
- Bachelor’s degree or equivalent in Economics, Business, Statistics, Maths or Econometrics.




- Proven experience in risk management for Retail lending portfolios, particularly Personal Loans. Experience in Consumer Lending for Business Banking customers would also be considered a valuable skill.
- Excellent knowledge of statistics and/or mathematics, as well as programming, in SAS and SQL.
- Strong analytical and problem‑solving skills. Knowledge of macroeconomic trends, banking and financial industry.
- Independent, creative and proactive mindset. Focus on delivering pragmatic and feasible solutions.
- Fluent English and Spanish language skills.
- Eager to lead projects.
What do we offer?

The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details. Check out what is waiting for you
Balance That Works.

📌 Senior Credit Risk Portfolio Analyst (Madrid)
🏢 Ing Bank Nv Sucursal En España
📍 Madrid