Portfolio Credit Risk Manager

Your Role & Work Environment

As a Portfolio Manager Credit Risk, you will be a key player in ahigh‑exposure and well interconnected team, central to ING Belgium’s credit risk management framework. You will be responsible for comprehensivePrivate Individuals portfolio analysis and credit insights, to fuel proactive credit management across the organisation, ensure that we remainin control of our credit risks and processes and contribute to strategic decision‑making.

You will join a team of motivated professionals with strong expertise in credit portfolios, economics, data analysis and reporting. The team offers a dynamic, collaborative, and impact‑driven environment.

Your Key Responsibilities

1. Analyse & Assess Credit Portfolios

• Build on portfolio performance and risks to steer lending exposures
  • Highlight economic and business developments leading to credit risk evolution, enabling proactive steering of lending exposures
  •  Provide key insights stemming from early warning indicators and signals and guide discussions and alignment on product or sector vulnerabilities.
  • Develop clear risk appetite and regularly monitor actual developments against it, to timely inform senior management on significant trends.
  • Develop forward-looking perspectives to actively steer business developments within risk appetite
• Closely monitor production quality to inform credit acceptance models and policies
  • Highlight key developments on production quality for portfolio as well as recent vintages to influence credit acceptance models and policies development
  • Review production volumes, risk profiles, underwriting, and early performance data Timely flag shifts in origination quality that may negatively impact future risk exposure.
• Deliver an integrated credit risk overview
  • Combine performance data, macroeconomic trends, sector forecasts, process KPIs, and policy compliance for comprehensive credit oversight across customer and product categories

2. Communicate Insights & Recommendations

• Present analyses, conclusions, and recommendationsclearly and effectively to stakeholders.
• Provide insights that supportsenior management and regulatory assurance.

3. Manage Data & Analytical Tools

• Gather, prepare, and manage relevant data tosupport portfolio insights and decision‑making.
• Define requirements and contribute toautomation and enhancement of data visualisation and analysis tools.

4. Drive Change & Collaboration

• Lead or participate inproject management activities, ensuring timely delivery of objectives.
• Work closely with risk departments, front‑office teams, and policy owners to supportchange initiatives,process optimisation, anddata/reporting enhancements.

We Look For

Required qualifications and skills:

• Master’s degree ineconomics,applied economics,statistics, or a related field.
• Very strong data analysis skills with excellent analytical and presentation skills
• Proficiency inPowerPoint andExcel, experience with PowerBI and Python for data visualization is considered a strong plus.
• Excellent command ofEnglish, written and spoken.
• Strong analytical and problem‑solving skills with aproactive and hands‑on approach.
• Ability to work bothindependently and collaboratively in a dynamic team environment.
• Highattention to detail and thedrive to fully understand issues before concluding.
• Resilience, a positive and constructiveattitude – ready to make it happen
• Experience withVortex data is an asset.

We Offer You

• Challenging projects with asteep learning curve.
• A dynamic and informal environment where colleagues help you grow.
• Anagile way of working that values fresh ideas and continuous improvement.
• Opportunities that support yourpersonal and professional development.