Credit Risk Model Developer (multiple seniority levels)

The expected salary for this position: 7100 - 28 000 PLN

The financial ranges specified in the announcement are adjusted and may differ from the range specified in the remuneration regulations.

We are looking for you if:

• You are passionate about quantitative risk modelling, have +3 years of experience and want to shape the future of credit risk management in a leading international banking group.
• You have academic or professional experience in statistics, econometrics, data science, or financial engineering.
• You are familiar with regulatory frameworks such as Basel (AIRB) and IFRS9, or eager to learn and grow in this space.
• You enjoy working in diverse, cross-functional teams and thrive in a collaborative, international environment.
• You are comfortable with programming languages such as SAS, Python or R, and have experience (or interest) in working with large datasets.
• You communicate clearly, document thoroughly and enjoy collaborating in agile squads.

You'll get extra points for:

• Hands-on experience in developing, monitoring, or validating AIRB or IFRS9 models.
• Knowledge of banking portfolios (retail, corporate, SME, etc.) and credit risk models’ lifecycle.
• Familiarity with regulatory expectations from ECB, EBA, or local supervisors.
• Strong communication skills and ability to explain complex concepts to non-technical stakeholders.
• Professional certifications such as FRM, PRM or CFA.

Your responsibilities: Depending on your seniority level, you will:

• Specialists: Contribute to model design, coding, and testing; participate in regulatory submissions and internal reviews.
• Senior Specialist: Lead monitoring of AIRB/IFRS9 models and development of model parameters, coordinate with validation and audit teams, ensure compliance with regulatory standards.
• Experts: Lead development of AIRB/IFRS9 models, mentor junior staff, represent the team in regulatory discussions.
• Senior Experts: Lead complex projects, engage with senior stakeholders across risk, finance, and compliance.

Information about the team: The Retail Credit Risk Model Development team is a centre of expertise within ING Group, responsible for the development, enhancement and monitoring of regulatory and accounting models across multiple jurisdictions and portfolios. We are transitioning from project-based setup to portfolio-oriented team, enabling deep collaboration with local entities across the Group. This structure offers a unique opportunity to work on international projects, gain exposure to diverse asset classes and model types and specialize in specific portfolios – making a tangible impact on the broader risk management function. We work closely with business units, model validation, and regulatory affairs to ensure our models are robust, compliant, and fit-for-purpose. We value diversity, curiosity, and continuous learning. Whether you're just starting your career or bringing years of experience, we offer a supportive environment where you can grow and make a real impact. We work in a hybrid model with up to 75% remote work. You’re always welcome to join us in our state-of-the-art Warsaw office whenever you prefer.

The financial ranges specified in the announcement are adjusted and may differ from the range specified in the remuneration regulations.

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