Portfolio Credit Risk Manager

Your Role & Work Environment

As a Portfolio Manager Credit Risk, you will be a key player in a high-exposure and well interconnected team, central to ING Belgium’s credit risk management framework. You will be responsible for comprehensive Private Individuals portfolio analysis and credit insights, to fuel proactive credit management across the organisation, ensure that we remain in 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.
• 2. Communicate Insights & Recommendations Present analyses, conclusions, and recommendations clearly and effectively to stakeholders. Provide insights that support senior management and regulatory assurance.
• 3. Manage Data & Analytical Tools Gather, prepare, and manage relevant data to support portfolio insights and decision‑making. Define requirements and contribute to automation and enhancement of data visualisation and analysis tools.
• 4. Drive Change & Collaboration Lead or participate in project management activities, ensuring timely delivery of objectives. Work closely with risk departments, front‑office teams, and policy owners to support change initiatives, process optimisation, and data/reporting enhancements.

We Look For Required qualifications and skills

• Master’s degree in economics, applied economics, statistics, or a related field.
• Very strong data analysis skills with excellent analytical and presentation skills.
• Proficiency in PowerPoint and Excel, experience with PowerBI and Python for data visualization is considered a strong plus.
• Excellent command of English, written and spoken.
• Strong analytical and problem‑solving skills with a proactive and hands‑on approach.
• Ability to work both independently and collaboratively in a dynamic team environment.
• High attention to detail and the drive to fully understand issues before concluding.
• Resilience, a positive and constructive attitude – ready to make it happen.
• Experience with Vortex data is an asset.

We Offer

• Challenging projects with a steep learning curve.
• A dynamic and informal environment where colleagues help you grow.
• An agile way of working that values fresh ideas and continuous improvement.
• Opportunities that support your personal and professional development.

We’re a global bank with a strong European base, and our more than 60,000 colleagues serve around 38 million customers and corporate clients in over 40 countries. Joining ING means working with friendly and collaborative people towards making a positive impact on people and planet. We believe in empowering the people around us and our customers to stay a step ahead. Working here means having the autonomy to drive progress, helping to create superior customer value and contributing to our ambition of putting sustainability at the heart of everything we do. Here, we’re more than just a workplace – we’re a community of innovators, problem‑solvers, and forward‑thinkers, dedicated to making a real impact. Whether you’re just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow. Your future at ING starts with one application.