Credit Risk Quality Assurance Manager

About the role

ING is looking for a Credit Risk Quality Assurance Manager within its Credit Risk Strategy, Policies & Project Management Department. The role independently assesses the effectiveness of credit risk governance, policies, standards and control frameworks across the lending lifecycle, acting as an independent second-line risk oversight function. It works closely with local and global stakeholders to provide objective challenge and assurance over credit risk management practices.

Key responsibilities

• Conduct independent quality assurance reviews and risk-based assessments of credit risk activities, processes, policies, standards and governance arrangements.
• Evaluate whether credit risk frameworks, policies, standards, controls and procedures are appropriately designed, effectively implemented and aligned with internal and regulatory expectations.
• Perform thematic reviews, deep-dive assessments and targeted investigations on key credit risk areas, emerging risks, incidents and control weaknesses.
• Assess the design and implementation effectiveness of credit risk controls and identify opportunities to strengthen the risk management framework.
• Provide independent challenge on credit risk practices and identify weaknesses, inconsistencies, gaps or improvement opportunities.
• Analyse review results, determine root causes of findings and formulate clear, practical, risk-based recommendations.
• Prepare reports and management presentations summarising observations, findings, key risks, trends and remediation recommendations.
• Monitor agreed remediation actions and contribute to improving quality assurance methodologies and testing approaches.
• Collaborate with Business Banking, Retail Banking, Risk Management, Internal Control, Compliance, Internal Audit and Global Risk stakeholders while keeping an independent perspective.
• Support internal and external audit engagements and regulatory reviews, and monitor external developments and regulatory expectations.

Required profile

• Bachelor's or Master's degree from a university with an English-language curriculum, preferably in Economics, Business Administration, Banking & Finance, Industrial Engineering, Statistics, Mathematics, Law or another relevant discipline.
• At least 4 years of experience in credit risk management, credit risk governance, credit controls, internal control, internal audit, risk management, quality assurance or other risk oversight functions in financial services.
• Fluent English, written and spoken.

Required skills

• Understanding of retail and/or wholesale credit risk management across the lending lifecycle.
• Knowledge of credit risk governance principles, internal control frameworks and regulatory expectations for banking.
• Experience in reviews, assessments, testing, audits, risk analyses and control effectiveness evaluations.
• Data-driven analysis and preparation of management reporting.
• Strong analytical thinking, problem-solving and attention to detail, with excellent communication and stakeholder management skills.

What we offer

• An agile and collaborative culture.
• Space for ideas and innovation.
• A strong focus on well-being, benefits and work-life balance.