Credit Decision Models Developer

REQ-10122389
30/09/2026
Financial Risk
Warsaw, Poland
ING Hubs

ING Hubs Poland is hiring!

The expected salary for this position: - 9600 - 18 000 PLN gross.

The financial ranges specified in the announcement are adjusted and may differ from the range specified in the remuneration regulations.

We are looking for you, if you have:

an advanced degree (PhD or Masters) in a quantitative discipline, such as Data Science, Statistics, Mathematics, Physics, Econometrics, Quantitative Finance or related field,
knowledge of machine learning methods: supervised and unsupervised learning, classification, regression, etc.,
experience in development of credit risk models in a financial institution or related industry,
analytical skills with the ability to describe models, effectively articulate and document model’s structure, logic and results,
experience writing code in Python/SAS (or other statistical programming language as a plus), data processing and advanced visualization,
knowledge of credit risk management process, including application of credit risk models like e.g., credit decision scorecards, early warning systems, collection systems, IRB, IFRS9 etc.,
English verbal and writing proficiency.

You'll get extra points for:

knowledge of regulatory framework for credit risk management (IRB, IFRS9, etc.) and lending process,
experience with the Agile way of working,
code versioning - git.

Your responsibilities:

perform development and periodical monitoring of credit risk models like e.g. credit decision, affordability, EWS models across global ING business lines and locations,
ensure models are conceptually sound and appropriate,
ensure model compliance with regulations, internal policies and industry best practices,
perform analyses and reports within credit risk management area,
collaborate closely with cross-functional teams including model validator, risk managers, and business stakeholders and promote best practices,
stay up-to-date with industry trends and regulatory guidelines, in particular related to advanced analytics models to be able to contribute to the continuous improvement of credit decisioning.

Information about the Team:

At ING Hubs Poland and ING group we follow the Agile approach and mindset. We use flexible frameworks like Scrum and Kanban at our everyday work. We are innovative and we trust people we work with. The broad autonomy our employees have, stimulates motivation and creativity what allows us to adapt to the changing requirements of business partners. Small units called squads are the core of our organization. They have clear vision of products, overcome challenges autonomously and based on team cooperation, work out the most flexible and effective way of working. You will work in the Credit Risk Modelling team, whose mission is to understand, implement, maintain and develop operational credit scoring models / credit decision models. You will also report and monitor them. As Credit Risk Modeller, you develop statistical models as a basis on which to evaluate the various credit risk parameters at the bank. You will work in a dynamic environment at the forefront of new developments in the field of credit risk management.

The role naming convention in the global ING job architecture will be “Model Developer III”.

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ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.