Business Lead Mortgage Acquisition & Retention

At ING we are looking for a Business Lead Mortgage Acquisition & Retention

Your role and work environment:

We are looking for a talented and enthusiastic Business Lead Mortgage Acquisition & Retention to join our Home & Protection Tribe

The responsibility of this team is to offer ING’s retail customers transparent and competitive mortgage loans in a profitable manner. Your aim is to ensure that we offer our customers the best opportunities to purchase their dream home. You also aim to minimize attrition by offering our existing mortgage customer solutions that fit their needs at any time (customer in life)

ING Spain has a strong growth ambition in Mortgages and in this position you will lead the commercial activities to achieve this ambition. You will steer your area and will have to look for alternatives to maintain mortgage market consideration, volume growth and profitability, both for customers and prospects. Part of your responsibility is to develop the pricing strategy and ESG agenda for mortgages.

Your key responsibilities:

As a Business Lead ‘Mortgage Acquisition & Retention’ you will:

• As a lead, you develop the craftsmanship of all your team, guiding and inspiring your team towards a common goal, fostering collaboration and helping individuals to reach their full potential
• P&L responsibility for Mortgages (shared with the Business Lead for “Mortgage conversion and underwriting”)
• Improve the mortgage product with a full cycle mindset (including in-life) that meets customer needs at all times
• Develop, implement and refine a mortgage pricing strategy (incl. bundled products) in collaboration with Pricing, Finance and Risk, that support overall bank ALM strategy
• Be able to manage complex transformation programs to steer the mortgage process, income and customer satisfaction!
• Meet sales and efficiency targets through our internal and external distribution channels
• Help ING to get a step ahead in the mortgage regulatory environment
• Help ING to get a step ahead in the mortgage ESG agenda
• Design, develop and orchestrate the area priorities and roadmap, being on top of market trends and dynamics
• Closely follow the development of customer satisfaction metrics with a focus on constantly improving customer experience
• Challenge the status quo, promote initiatives and provide support to meet the goals set. Stimulate interaction between people, squads and transversal tribes working direct or indirectly in mortgages
• Together with the Tribe Leadership team, you are responsible for the definition, communication and execution of the product strategy and the execution of overall Tribe goals.
• Represent your area and extract best practice from other ING countries and relevant external stakeholders
• Develop Strategic partnership with external partners to further accelerate growth
• As a part of Tribe Leadership Team you will foster communication & alignment to contribute to a united & strong leadership team around the common goals of the tribe

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don’t hesitate to apply!

A pioneer of the agile culture displaying the following behaviors:

• Ability to display style flexibility to teams and adapt plan, approach and behavior to the different needs and situations.
• Strong organizational sensitivity;
• Ability to understand and take into account the underlying issues, opportunities and dynamics of an organization.
• Ability to take responsibility, steer strategy and realizations based on facts and data; managerial courage to question and make decisions.
• Focus on delivery through collaboration, ability to bring people together to work towards the same purpose.
• Ability to empower teams to act autonomously, think out of the box and hold them accountable.
• Ability to simplify complexity and drive operational excellence.
• Ability to support yourself and other team members in development.
• Strong resilience; ability to navigate through ambiguity.
• Ability to have impact through inspiring and energetic leadership that leads teams through change.

Proven track record and technical skills

• University degree
• 5–10 years’ professional experience at management level, experience/ affinity with the Mortgage area is a plus as well as commercial responsibility / pricing experience
• A good understanding of credit risks is very well valued.
• Sound experience in building strategic roadmaps.
• Experience in leading, driving and steering multidisciplinary teams.
• Proven experience in strategic projects with high impact.
• Strong command of written and spoken English.

What do we offer?

The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.

Check out what is waiting for you!

Be flexible my friend.

Our model is all about flexibility and accountability. Keeping both our customers and our colleagues’ needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing.

Restaurant card.

So that thinking about what to have for lunch doesn’t take up your time or your cravings.

Our house will be your home.

In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!

Health insurance.

For you and all your family (spouse/partner and children).

Life insurance.

We help you protect what matters most to you.

Flexible remuneration.

In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…

Free company shuttle.

It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.

Banking benefits.

Special loans with more beneficial conditions.

Special mortgage conditions after 6 months working at the bank.

And you can benefit from our pension plan after 1 month with us!

More vitality and more belonging

360º care of the employee (physical, mental, social connection & purpose).

Physiotherapy service on site.

Clinics with professional, world-class athletes.

Gympass service.

Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.

International Remote work program.

Get to know Us

We are a team of more than 1700 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.

A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies.

And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.

We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.

And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.

Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!

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En ING estamos buscando una persona Business Lead Mortgage Acquisition & Retention

Tu rol y entorno de trabajo:

Buscamos a una persona con talento y entusiasmo para unirse a laHome & Protection TribecomoBusiness Lead Mortgage Acquisition & Retention.

El objetivo de este equipo es ofrecer a las personas clientas de banca retail de ING hipotecas transparentes y competitivas de forma rentable. Tu misión será asegurar que ofrecemos las mejores oportunidades para que nuestras personas clientas puedan adquirir la casa de sus sueños. También trabajarás para minimizar la pérdida de clientela, ofreciendo soluciones adaptadas a sus necesidades en cada momento (customer in life).

ING España tiene una fuerte ambición de crecimiento en el área de hipotecas, y en esta posición liderarás las actividades comerciales para alcanzar dicha ambición. Tendrás que dirigir tu área y buscar alternativas para mantener la consideración en el mercado hipotecario, el crecimiento del volumen y la rentabilidad, tanto para personas clientas actuales como potenciales. Parte de tu responsabilidad será desarrollar la estrategia de precios y la agenda ESG para hipotecas.

Responsabilidades clave:

ComoBusiness Lead Mortgage Acquisition & Retention:

• Desarrollarás las capacidades del equipo, guiando e inspirando hacia un objetivo común, fomentando la colaboración y ayudando a cada persona a alcanzar su máximo potencial.
• Tendrás responsabilidad compartida del P&L de Hipotecas (junto con la persona Business Lead de “Mortgage conversion and underwriting”).
• Mejorarás el producto hipotecario con una visión de ciclo completo (incluyendo la fasein-life) que responda a las necesidades de las personas clientas en todo momento.
• Desarrollarás e implementarás una estrategia de precios hipotecarios (incluyendo productos combinados) en colaboración con Pricing, Finance y Risk, alineada con la estrategia ALM del banco.
• Gestionarás programas de transformación complejos para mejorar procesos hipotecarios, ingresos y satisfacción de la clientela.
• Cumplirás objetivos de ventas y eficiencia a través de canales de distribución internos y externos.
• Impulsarás a ING en el entorno regulatorio hipotecario y en la agenda ESG del área.
• Diseñarás y coordinarás las prioridades y hoja de ruta del área, manteniéndote al tanto de tendencias y dinámicas del mercado.
• Seguirás de cerca los indicadores de satisfacción de la clientela, con foco en la mejora continua de la experiencia.
• Cuestionarás el statu quo, promoverás iniciativas y apoyarás el cumplimiento de objetivos, estimulando la interacción entre personas,squadsytribestransversales.
• Junto con el equipo de liderazgo de laTribe, definirás, comunicarás y ejecutarás la estrategia de producto y los objetivos generales.
• Representarás tu área y extraerás buenas prácticas de otros países ING y agentes externos relevantes.
• Desarrollarás alianzas estratégicas con socios externos para acelerar el crecimiento.
• Como parte del equipo de liderazgo de laTribe, fomentarás la comunicación y alineación para contribuir a un liderazgo fuerte y unido.

¿Qué buscamos?

¿Quieres saber si este puesto es para ti? Estas son algunas de las cualidades que más valoramos:

• Flexibilidad de estilo y adaptación a diferentes necesidades y situaciones.
• Alta sensibilidad organizativa.
• Capacidad para tomar decisiones basadas en datos y hechos, con valentía para cuestionar y decidir.
• Enfoque en la entrega colaborativa, reuniendo a personas hacia un propósito común.
• Capacidad para empoderar equipos, fomentar la autonomía y la innovación.
• Habilidad para simplificar la complejidad y promover la excelencia operativa.
• Resiliencia y capacidad para navegar en la ambigüedad.
• Liderazgo inspirador y energético que guía a los equipos en el cambio.

Requisitos técnicos y experiencia:

• Titulación universitaria.
• Entre 5 y 10 años de experiencia profesional en puestos de gestión. Se valorará experiencia o afinidad con el área hipotecaria, así como experiencia comercial o en pricing.
• Buen conocimiento de riesgos crediticios.
• Experiencia en la construcción de hojas de ruta estratégicas.
• Experiencia liderando equipos multidisciplinares.
• Experiencia demostrada en proyectos estratégicos de alto impacto.
• Nivel alto de inglés, hablado y escrito.

¿Qué ofrecemos?

• Modelo de trabajo flexible y basado en la responsabilidad.
• Tarjeta restaurante.
• Oficinas con servicios como movilidad eléctrica, médico, peluquería, gimnasio, The Good Service, etc.
• Seguro de salud para ti y tu familia.
• Seguro de vida.
• Retribución flexible (guardería, transporte, formación…).
• Transporte gratuito a la oficina (6 rutas).
• Beneficios bancarios: préstamos y condiciones hipotecarias especiales, plan de pensiones.
• Bienestar integral: fisioterapia, clínicas deportivas, Gympass, redes de personas empleadas (Rainbow Lions, Leonas, RIÑG).
• Programa de trabajo remoto internacional.

Conócenos

Somos más de 1.700 personas con una idea común: ayudar a nuestras personas clientas a construir un futuro mejor. Un banco 100% digital, ágil, transparente e innovador, con presencia en más de 40 países. Apostamos por la diversidad, la inclusión y la sostenibilidad. Si te ves reflejad@ en nuestra forma de ser y trabajar… ¡te estamos esperando!