Credit Risk Retail Analytics Manager

ING is proud to be recognised as Australia’s most recommended bank, committed to responsible banking and sustainable portfolio health. As a business, we focus on enhancing credit performance, ensuring robust oversight, and aligning our strategies with evolving regulatory expectations across the retail credit landscape.

As Credit Risk Retail Analytics Manager, you’ll lead our efforts in shaping and maintaining early warning frameworks, managing policy oversight, and ensuring robust provisioning for our retail credit portfolios. You’ll engage closely with cross-functional teams and senior stakeholders to deliver data-driven insights and keep our risk practices sharp, proactive, and compliant with frameworks like APS 220 and EBA LOM.

This position requires strong analytical acumen and expertise in credit risk policy and portfolio management within retail banking—ensuring reporting, models, and strategic narratives support sustainable credit outcomes.

Ready to make an impact?

What you’ll do

• Manage Early Warning Signal (EWS) strategies, reporting, and governance to identify emerging risks across retail credit portfolios
• Collaborate with stakeholders across Risk, Finance, and Collections to deliver insights and ensure data integrity in monthly reporting cycles
• Oversee credit risk policy compliance, focusing on APS 220, EBA LOM, and regulatory waiver performance
• Craft compelling credit strategy reports and present to EXCO, Credit Risk Committee, and other governance forums
• Drive the loan loss provisioning process and represent ING Australia in global collective provision forums
• Identify opportunities to improve portfolio health and credit controls through analytical reviews and business engagement

What we’re looking for

• 3–5 years of experience in credit risk or portfolio analytics within banking or broader financial services
• A numerate background in Finance, Mathematics, Statistics, or similar discipline
• Strong experience working with SAS, Excel, or other analytical tools like Python or R
• Understanding of retail lending environments, provisioning frameworks, and risk controls
• Excellent communication skills—you can explain data trends, draft high-quality memos, and engage stakeholders at all levels
• Experience with collections strategies, account management, or regulatory interpretation is a bonus

What’s in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT Day to volunteer on approved sustainability activity

About Us

At ING, we want to make life simpler and more worthwhile – for everyone who banks with us, for the people who work with us, and the community at large, too. 

When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive – it’s the kind of place where you can be yourself and make the most of whatever you have to offer. 

We give people the freedom to think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered. 

We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.  

Sound like the kind of place you’d feel at home? We’d love to hear from you. 

(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.) 

Need more?
Contact Mark Montgomery on mark.montgomery@ing.com

Applications close Friday 27th June 2025

Before you apply
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager

ING is Australia's most recommended bank according to RFi XPRT Survey, February 2021 - July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia.

#LI-DNI