Senior Credit Risk Analyst

When you come to work at ING, you're joining a modern and progressive team where individuality isn't just accepted, it's encouraged. You'll be surrounded by people who are friendly, inclusive and respectful, who want you to reach your potential.

We're on the hunt for an experienced Senior Credit Risk Analyst in the Retail Credit portfolio.  You'll form part of the Retail Credit Risk team (Mortgages, Credit Cards and Personal Loans) and you'll have the opportunity to use your data, analytical and portfolio management capabilities to make significant contributions to strategic risk and business initiatives for optimised growth, while also managing appropriate risk appetite for ING Australia across all retail products.

We have some exciting programs of work planned for 2025/2026 and we're on the hunt for someone who can bring their established skills of SAS and Tableau and help us deliver these exciting projects

Acting as an SME, you'll help us on the implementation of any new data, execute on data quality and governance and you'll support a variety of activities and projects working with peers and key stakeholders, using knowledge of credit risk data, tools and systems to support credit policy and strategy development while also delivering sustainable automated solutions and controls.

Are you ready to make an impact on our business?

What you will do

• Lead the design and implementation of credit risk data that support analytical and reporting needs
• Provide oversight on the data governance, ensuring compliance with established frameworks and maintaining data accuracy and integrity
• Utilize data analysis to support business decision making, identifying trends, patterns, emerging risks, and key insights
• Drive the Risk Appetite Statement (RAS) annual setting and oversee the RAS governance. Ensure that the RAS is effectively communicated, implemented, monitored and follows the approval process and breach management
• Analysis - Report, locally and to Head Office, the portfolio status on ongoing basis
• Monitoring the portfolio on all "Performance Monitoring Triggers" and initiating corrective action, wherever required
• Champion continuous improvement of control processes by identifying and highlighting the gaps/risk
• Act as a subject matter lead and coach to uplift capability within the team, providing guidance and quality assurance to support the delivery across regulatory, reporting, and data initiatives

What we are looking for

• Minimum 2-3 years' experience in credit risk or portfolio analytics within banking or financial services
• Exposure across SAS, SQL, Tableau or other reporting tools are beneficial Power Bi, R or Python would be considered highly advantageous
• Relevant university degree, with above average academic achievements in mathematics, commerce or statistics
• Excellent data interrogation, numerical and report writing skills
• Developed problem solving skills

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. 

Need more? 
Contact Mark Montgomery on

Applications close Friday 12th September 

Before you apply 

Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager  

ING is Australia's most recommended bank according to RFi XPRT Survey, February July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia.

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