Retail Credit Risk Models

2 weeks ago

Sydney, New South Wales, Australia ING Full time

The future looks promising for ING Australia and your career. Proud recipient of Canstar's bank of the year award for the fourth consecutive year, we foster an inclusive culture, offer hybrid working options, and provide fantastic benefits.

We are on the lookout for talented individuals to join our exceptional Retail Credit Risk team. The available roles are:

  • Senior Analyst - Retail Credit Risk Models
  • Manager - Retail Credit Risk Models

At ING, you'll excel working closely with various departments, benefiting from high visibility among senior stakeholders. Your responsibilities will involve conducting intricate credit risk analysis, leveraging your expertise in credit risk modeling, and utilizing advanced SAS skills.

Are you prepared to be a trailblazer in this crucial domain?

Key Responsibilities

  • Perform complex credit risk analysis and modeling to optimize profits and asset growth
  • Develop scoring models, updating application and behavior scoring models based on real-world data and cutting-edge risk management technology
  • Create essential statistical models for processes like IRB, IFRS9, application and behavior scorecards, Early Warning System (EWS) models, and stress-testing for retail credit risk portfolios
  • Support the development and maintenance of ING's retail credit risk models, ensuring compliance with regulations and suitability for business use
  • Document models comprehensively and prepare data for model development
  • Produce model monitoring reports and collaborate with the Policy team to identify key credit metrics supporting business growth priorities and monitoring risk trends in IBAL's retail credit portfolio
  • Determine critical data elements for credit risk, ensuring data quality and monitoring standards are met

As the Manager - Retail Credit Risk Models, you will also offer guidance, training, and backing to the modeling team while representing the Head of Retail Risk in governance committees and project groups.

Requirements

  • Proficiency in APS113 and other standard regulatory credit risk requirements
  • Advanced SAS and SQL skills; familiarity with R, Python, or credit decisioning systems is advantageous
  • 1-3 years of credit modeling experience managing large datasets
  • Good understanding of banking products and industry trends
  • Australian market experience with strong interpersonal and communication skills

For the Manager role, you should have 5+ years of credit modeling experience and expertise in staff mentoring and development.

Benefits

  • Discounted ING Health Insurance
  • Extra Rest Day for your well-being
  • Participation in an IMPACT day for volunteering on sustainability initiatives

About Us

At ING, our aim is to simplify and add value to the lives of our customers, employees, and the community at large. When you join our team, you become part of a culture that embraces uniqueness, promotes a supportive and enjoyable environment where you can be yourself and maximize your potential. We encourage innovative thinking, ownership, and collaboration to drive success. We are committed to helping you progress in your career, explore new opportunities, and celebrate achievements. We are proud to be recognized as a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.

If this resonates with you, we would be delighted to connect with you.

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