Risk Data Analyst

Discover ING Bank

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global brand tagline, "do your thing". Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there's a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more than 25 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers' lives and businesses. In the 2020 KPMG Report on Excellence in Client Experience, ING Bank Romania ranked first in customer experience.

Currently, ING is the 4th bank in the local markets, based on the assets and is a universal bank with 1,6 million clients from three business segments: individual clients (Retail), SMEs and Mid-Corporate clients and Wholesale Banking.

Join us

Your day-to-day

Overall responsible to define and process key risk information required by management, and to prepare credit risk reports needed by Credit Risk Management to analyze and assess risk.

Ensure data integrity & management in cooperation and with the support of the other team members, as key preparation stage for credit risk analytics and reports;

Develop and perform proper internal and external credit risk reporting, including credit risk standard reporting package, customized reports, PD and LGD analysis, Loan Loss Provision and RWA related calculations, other analytics;

Conduct recurrent and ad-hoc portfolio analysis and segmentation to identify good risk segments as well as early detect high risk concentrations for optimal measures to be taken in each category;

Work in close cooperation with involved departments, including other units within Risk Management, IT, Operations, Products, in order to monitor and ensure relevant, efficient (timely and with maximum automation/standardization) and accurate (correct and complete) processing of credit risk related analytics;

Ensure Data Quality compliance, by performing reconciliations across systems, instruct data corrections and follow up on resolution;

Cover other accountabilities and specific tasks delegated by the Department as justified by business needs;

Carry out all job tasks in accordance with all applicable internal and/ or law requirements, rules and regulations.

What you bring to the team

Relevant data management knowledge;

Experience in using Microsoft SQL, SAS knowledge would be appreciated;

Ability to use and process databases, to develop reports and statistics; use mathematical tools and quantitative analytics in order to assess credit portfolios;

Ability to use presentation tools, graphs, charts, and others to present data in a relevant, clear and concise way to support conclusions;

Knowledge of lending market developments and influencing factors, good understanding of banking rules and regulations;

Fluent in English, both written and verbally;

Keen on learning and developing within a credit risk environment;

Task competencies: solid analytical and interpersonal skills, superior attention to detail, planning and organizing abilities, work internally across departments;

High ability to work with systems and reports. Potentially participate on project teams;

Personal competencies: communication abilities, analytical thinking, ambition and energy (able to perform under pressure), initiative, decisiveness and discipline, adaptability;

Able to manage projects and deliver on promises.

2.5 years Fixed term contract