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Credit Risk Policy & Regulations Expert

  • ING Group
Brussels, Belgium
  • ING Group
Brussels, Belgium


Being part of the Strategic Risk Management Policies & Procedures team you develop, implement, maintain and review credit risk policies in alignment with the Group standards and the (local) regulations. In this context you will provide your expertise to regulatory and business projects with E2E stakeholders.


The Financial Risk Policy & Process Expert is overall responsible to support the development, maintenance and review of credit risk policies for retail and wholesale clients:

  • Develops data driven credit risk policies and procedures ensuring ING operates within the defined credit risk appetite;

  • Ensures local policies are in line with Group and European or local regulations (National Belgian Bank, ECB, FSMA, …) and supports the decision process;

  • Evaluates the risk impact of each major decision to credit products and processes, bringing dedicated expertise as part of Credit Risk Policy involvement into projects & activities undertaken by lending tribes;

  • Manage a portfolio of policy changes combining the business development ambitions while maintain the bank safe.

The Financial Risk Policy Expert implements correctly the procedures:

  • Ensures that systems are correctly adapted to support the policy process;

  • Monitors the policy adherence (Comply or Explain principle);

  • In cooperation with other colleagues defines the data needed for a performant portfolio monitoring and predictive deep dives;

  • Defines lending criteria for origination and monitoring.

The Financial Risk Policy Expert acts as single point of contact for his/her specific domain of policies:

  • Represents his/her domain within review/validation meetings;

  • Participates actively to workgroups and projects (internally or externally – eg Febelfin) in order to discuss implementation of new regulations;

  • Documents the risk processes in alignment with the minimum standards of ING Belgium and ensures their consistency;

  • Implements remediation plan in case of deficiency and ensures a close follow up of (internal/external) audit recommendations for his/her domain of policies and procedures.


  • Taking challenges and making them happen, enthusiasm and energized for helping others to be successful;

  • Having interest in credit risk regulations, data analysis and monitoring;

  • Being Green belt certified or willing to become Green belt certified;

  • Having a Master’s degree in economics, finance, banking or other related domains;

  • With previous experience in Retail, Business or Wholesale banking;

  • Understanding credit risk management, lending activities, banking industry and regulations developments;

  • Working with autonomy and collaboration especially in view of agile way of working;

  • Fluent in Dutch, French and English, both written and verbally;

  • With ability to manage senior stakeholders and communicate on complex and technical concepts to a broad public in a simple way;

  • Good in writing, editing, communications and organizational;

  • Keen on learning and developing with the credit risk environment.


  • Personal growth & challenging work with a lot of opportunities to realize your ambitions;

  • A dynamic and flexible work environment with enthusiast colleagues;

  • A job with high exposure to internal and external senior managers;

  • Career development;

  • A specific training path (lean six sigma, Agile, Project, Communication, …).


There has never been a more interesting time to work at ING. We’re on a journey that’s centred around our customers, powered by technology and driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business. We’re proud of that!
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