Credit Risk Expert - Quality Assurance Function

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?

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