At ING we are looking for a Retail Lending Strategist

Your role and work environment:

In the Consumer Lending Tribe, we are looking for a Retail Lending Strategist who combines customer centricity, strategic vision and analytical excellence to identify opportunities, influence decisions and create meaningful business impact.

You will play a key role in shaping the future of Consumer Lending, combining deep customer understanding, business strategy and lending expertise. Working across multiple disciplines, including Finance, Risk, Pricing, Marketing and Technology, you will anticipate customer needs, identify emerging opportunities and translate insights into initiatives that create value for both customers and the business.

Your key responsibilities:

Business Strategy & Customer Value: Help define the future of Consumer Loans.

- Anticipate evolving customer financing needs and identify opportunities to create value for both customers and the business.
- Translate customer, market and business insights into strategic priorities and initiatives.
- Assess opportunities through business cases and fact-based recommendations.

Commercial Performance Management: Steer business performance.

- Monitor and interpret the key performance drivers of the loans business.
- Identify risks, opportunities and emerging trends through data and analysis.
- Support management decisions through clear insights, forecasts and recommendations.

Cross-Functional Leadership: Build alignment and influence decisions across the organization.

- Collaborate effectively with all stakeholders’ teams (Risk, Finance, Pricing, Data, Marketing, Technology, etc…).
- Challenge assumptions and drive discussions through a strong analytical and business mindset.

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don’t hesitate to apply!

Education

- Master or bachelor’s degree in Business Administration, Economics, Mathematics, Engineering or a related field.

Experience
- 5+ years of relevant experience in product management, business management, strategy, consulting or analytics.
- Strong knowledge of banking, with experience in Consumer Lending being highly valued.
- Experience working in agile and cross-functional environments.

Skills & Competencies
- Customer-focused and passionate about creating meaningful customer value.
- Strong business acumen,



strategic thinking and analytical mindset.
- Autonomous and proactive, with the ability to independently identify opportunities and solve complex problems.
- Excellent communication and influencing skills, with the ability to translate complex information into clear and actionable messages.
- Strong stakeholder management and cross-functional collaboration skills.
- Team player, who actively fosters collaboration and contributes to a high-performing team environment.
- Curious, passionate and eager to continuously learn and challenge the status quo.
- Strong English is a must have. Ability to work at an international level

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.

We put balance to work, so you can do it too. With our customers’ needs first, the team´s and your own, we agree when to come to ING MAD and when to work best from home. More time together when it matters, more freedom when you need it.

Restaurant card.

So that thinking about what to have for lunch doesn’t take up your time or your cravings.

Our house will be your home.

In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!

Health insurance.

For you and all your family (spouse/partner and children).

Life insurance.

We help you protect what matters most to you.

Flexible remuneration.

In addition, you will enjoy our adaptable remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…

Free company shuttle.

It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.

Banking benefits.

Special loans with more beneficial conditions.





Special mortgage conditions after 6 months working at the bank.

And you can benefit from our pension plan after 1 month with us!

More vitality and more belonging

360º care of the employee (physical, mental, social connection & purpose).

Physiotherapy service on site.

Clinics with professional, world-class athletes.

Gympass service.

Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.

International Remote work program.

Get to know Us

We are a team of more than 1800 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.

A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies.

And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.

We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.

And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.

Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!

At ING, you belong just as you are. We hire and support people for their talent and potential — and we know that when you can be yourself, you do your best work.

Job Application Safety Reminder

We’re seeing an increase in fraudulent job offers. To protect yourself, please follow these key guidelines when applying for roles at ING:

- Apply only via official ING platforms: ING uses Workday and LinkedIn as its internal recruitment system. Applications should be submitted only via our official career site or via ING job postings on LinkedIn.
- Check the sender’s email carefully: Legitimate communication will always come from @ing.com and/or @myworkday.com.
- No payments or banking details will ever be requested: If someone asks for this information, it’s a scam.

📌 Retail Lending Strategist (Madrid)
🏢 ING España u0026 Portugal
📍 Madrid