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About the Role
Lead credit risk provisioning and forecasting, and provide account management oversight for a retail lending portfolio. Influence senior stakeholders, drive regulatory compliance, and protect the bank's financial performance.
Responsibilities
- Lead the end-to-end provisioning and forecasting process for retail lending portfolios, delivering robust insights that support strategic decision-making and financial planning.
- Monitor portfolio performance and emerging risk trends, using data and analytics to identify opportunities, anticipate challenges, and recommend actions that protect portfolio health.
- Partner with senior leaders across Risk, Finance, Product and Operations, providing clear, data-driven recommendations that influence key business and risk decisions.
- Drive compliance with regulatory and accounting requirements, ensuring provisioning methodologies, governance frameworks and reporting practices meet internal and external expectations.
- Oversee account management, collections and hardship strategies, balancing customer outcomes with effective risk management to optimise portfolio performance.
- Lead deep-dive portfolio reviews and scenario analysis, translating complex data into meaningful insights and forward-looking risk forecasts.
- Champion continuous improvement and innovation, enhancing risk management approaches, forecasting models and operational processes to deliver better business outcomes.
- Prepare and present insights to executive committees and senior stakeholders, confidently communicating risks, trends and recommendations to support informed decision-making.
Requirements
- Proven credit risk management experience (5+ years) with a deep understanding of credit risk principles within the Banking or Financial Services industry
- Experience with SAS, SQL, R or Python to manipulate large data sets
- Sound knowledge of banking products and trends in the banking industry
- Broad experience in credit risk analytics, with an understanding of the credit lifecycle and key credit functions
- Experience and knowledge of regulatory and accounting frameworks such as IFRS 9 and APS 220 is highly considered
- The ability to balance risk management with commercial objectives, acknowledging the broader business context when making key recommendations
- A collaborative approach and the confidence to build trusted relationships across the business
Skills
- SAS
- SQL
- R
- Python
- Credit risk analytics
- Credit lifecycle understanding
- Regulatory frameworks
- Accounting frameworks
- IFRS 9
- APS 220
Location
- Australia
Work Type
- Full-time
Experience Level
- 5+ years
Benefits
- 20 weeks paid parental leave for parents of a child born, adopted or fostered
- Financial and leave support for employees who commit to study that benefits their development
- Employee home loan benefits
About the Company
- 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.
- ING has built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.
- ING is the kind of place where growth isn’t just a possibility; it’s a promise.
- ING is a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace.
- ING makes hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box.
- ING is invested in fostering a diverse and inclusive workplace where everyone feels like they belong.
- ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.
Equal Opportunity
- 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.
- We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong.
- We’re your allies in helping you do your thing during the recruitment process, so let us know (email below) if you require any support or adjustments when you apply