Credit Risk Manager

ING is proud to be recognised as Australia’s most recommended bank, committed to responsible banking and risk excellence. We focus on minimising financial risk exposure and maintaining a robust risk appetite, ensuring business integrity and sustainable growth across our Wholesale & Business Banking division.
As Credit Risk Manager -Business Bank, you will play a key role in shaping credit policies and managing risk appetite across the business banking portfolio to ensure credit risk is effectively managed. You will work closely with senior stakeholders and Line 1 teams to provide recommendations and corrective actions that keep credit risks aligned with ING’s framework. You will play an important role to shape and execute ING’s digital transformation objectives alongside our business partners.
This position requires credit risk expertise across business banking, ensuring that risk assessments, policy frameworks, and governance processes support sustainable decision-making.
Ready to make an impact?
What you’ll do
Develop & maintain credit risk policies, ensuring adherence to regulatory frameworks
Set and monitor risk appetite, tracking credit portfolio performance to align with business strategy
Provide expert advisory support, working with business stakeholders on credit decision-making
Oversee governance activities, including committee reporting, risk documentation, and compliance oversight
Support regulatory commitments, ensuring compliance and relevant financial guidelines
Utilise data analytics, leveraging insights to improve credit portfolio management and forecasting
Lead digitisation & automation efforts, streamlining credit assessment processes and risk tracking
Manage stakeholder interactions, collaborating with local and global teams to align risk practices with ING’s wider strategy
What we’re looking for
5+ years of credit risk experience, preferably within business banking
Policy-writing expertise, particularly in credit risk governance and underwriting for business banking
Strong understanding of APS 220, APS 112/113, BCOP, and regulatory frameworks
Independent working style, with the ability to serve as the primary financial risk contact for business lending
Data-driven mindset, experienced in using large datasets to generate insights and improve risk management
Strategic leadership skills, able to advise stakeholders, drive corrective actions, and enhance governance frameworks
What’s in it for you?
Discounted ING Health Insurance
An additional Rest Day to support your wellbeing
An IMPACT Day to volunteer on approved sustainability activity
About Us
At ING, we want to make life simpler and more worthwhile - for everyone who banks with us, for the people who work with us, and the community at large, too.
When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive - it’s the kind of place where you can be yourself and make the most of whatever you have to offer.
We give people the freedom to think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered.
We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.
Sound like the kind of place you’d feel at home? We’d love to hear from you.
(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.)
Need more?
Applications close Tuesday 17th June 2025
Before you apply
ING is Australia's most recommended bank according to RFi XPRT Survey, February 2021 - July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia.
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