Senior Product Manager, Consumer Lending, Credit Policy

Overview
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. It's one of the many reasons we're proud to be an Employer of Choice for Gender Equality.
We're on a hunt for an experienced Product Manager to join our Pricing and 1st line Credit Risk team in Consumer Lending Tribe. In this role, you'll shaping and delivering superior customer experiences within the consumer lending space. This role is responsible for leading credit risk projects, optimising credit policy, and supporting strategic acquisition initiatives. It involves close collaboration with cross-functional teams to streamline processes, enhance decision accuracy, and ensure compliance with regulatory standards.
Our ideal candidate will have excellent expertise in product management, credit risk, and project delivery within an agile environment. They should be passionate about improving customer outcomes, skilled in stakeholder engagement, and capable of driving initiatives that balance business growth with sound risk management.
What you'll do
Lead credit risk initiatives end-to-end within an agile framework, ensuring timely delivery and alignment with business and risk objectives.
Develop and optimise credit policies to improve decision accuracy, customer outcomes, and portfolio performance, using data-driven insights and market analysis.
Collaborate cross-functionally with Product, Credit, Distribution, Operations, and Risk teams to deliver streamlined, customer-centric solutions.
Represent the customer voice by balancing business goals with customer needs, contributing to strategic roadmaps and product enhancements.
Engage stakeholders and manage dependencies, ensuring transparency, alignment, and readiness across impacted business units.
What we're looking for
Extensive product management experience
, ideally within consumer lending, with an excellent track record of delivering customer-centric solutions.
Demonstrated ability to lead product initiatives
from concept to execution, including business case development and agile delivery.
Experience in Credit Risk
, in areas such as consumer lending product, credit operations, business development and/or policy management
Customer-first mindset
, with a passion for designing and enhancing customer journeys and product features.
Strong stakeholder engagement skills
, able to align diverse interests and maintain transparency across internal and external partners.
Analytical and strategic thinking
, with the ability to interpret data, identify opportunities, and contribute to product and business growth.
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're all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we're proud to support. Joining ING means stepping into an environment where your individuality isn't just welcomed - it's celebrated. We've built a culture that's fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.
Whether you're taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you'll find ING is the kind of place where growth isn't just a possibility; it's a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you'll feel the difference in how we value and champion our people.
We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you're interested but don't meet all the criteria, we encourage you to apply. And because we want you to shine, let us know if you need any adjustments to the recruitment process by emailing
We're invested in fostering a diverse and inclusive workplace where everyone feels like they belong. Sound like your kind of vibe? We can't wait to hear from you
(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)
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.
Need more?
Rachel Yuen
Applications close on 17th September 2025
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