Product Area Lead for Consumer Lending NL

Join our dynamic Tribe Consumer Lending and Insurance, where we oversee the entire Consumer Lending and Insurance chain, including P&L. Our mission is to boost the income from our products, with a primary goal of expanding the Consumer Lending portfolio by unlocking instant lending capabilities, entering new markets and segments, setting up new partnerships.

Consumer Lending is vital to the financial success of ING Netherlands. In a highly competitive market, exceptional customer service and digital transformation are key to maintaining our edge. With ambitious growth plans, the PAL Consumer Lending will be driving the initiatives to grow our business.

In addition to commercial and digital challenges, ING encounters increasing regulations, laws, policies, and regulatory supervision. We need a leader to navigate these complexities in the Dutch market. This role demands person with energy, ambition, and transparency to achieve ING Netherlands’ goals. The PAL Consumer Lending reports to the Tribe Lead Consumer Lending and Insurance.

Your key responsibilities

As the PAL (Product Area Lead) for Consumer Lending, you will:

• Collaborate with the Tribe Lead Consumer Lending and Insurance to define a winning strategy for Consumer Lending Netherlands, aligning with the Tribe’s objectives and other stakeholders.
• Hierarchically responsible for 3 Product Leads, responsible for products delivery
• Lead the digitization of the Consumer Loan customer base, personalize our services, close the NPS gap with competitors, and make our processes personal, easy, and smart.
• Execute the strategic objective to unlock instant lending capabilities in the Netherlands, extend the offer to non-ING customers and setting up partnerships to ensure profitable financial performance and portfolio management of Dutch Consumer Loans.
• Drive towards our joint goals and form strong partnerships with the IT-Area Lead and other stakeholders.
• Gain a deep understanding of the market and our customers to create the best possible offers and journeys, boosting value for the bank.
• Strive for excellence in operational tasks (RUN activities), seeking automation where possible and eliminating non-value-adding manual tasks.
• Ensure the tribe meets or exceeds standards for Risk and Compliance.

We are looking for

A leader with a talent for taking initiative and making things happen, enthusiasm for helping others succeed, and a knack for staying one step ahead. You bring fresh ideas to life and embrace challenges in a fast-changing, complex environment. You are an excellent communicator, both in writing as in presenting. After setting and communicating the direction, you are passionate and perseverant to make things happen with a strong business to IT Delivery. You are naturally collaborative, listen well, and invest in others to achieve common goals.

We are looking for an experienced people manager who excels at connecting with others and motivating employees to bring out the best in themselves.

As PAL for Consumer Lending NL, you will need to:

• Understand organizational dynamics and able navigate underlying issues and opportunities.
• Take responsibility and make data-driven decisions with managerial courage.
• Thrive in ambiguity and simplify complexity to drive operational excellence.
• Foster collaboration, bringing people together to achieve common goals.
• Empower teams to think outside the box and act autonomously.
• Support personal and team development.
• Lead with energy and inspiration, guiding teams through change.

About you

• A Master’s degree.
• 10+ years of banking experience, including commercial and lending expertise.
• Proven track record in digitalization and strategic roadmap execution.
• Experience in consumer lending, with a focus on Pricing and Credit Risk Management.
• Experience is setting up partnerships to drive growth
• Interest in and understanding of business to IT (a plus).
• Familiarity with the ING Agile Way of Working (a plus).

If you have a passion for leadership and a drive to make things happen, we want to hear from you!

Rewards & benefits 

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. You can find out more about our employment conditions here.  

• A clear purpose, a unique offer, and a range of flexible compensation and other benefits.
• Personal growth and challenging work with endless opportunities to realize your ambitions.
• An informal, dynamic environment with innovative colleagues supporting your endeavors.
• A progressive and agile way of working, where new ideas are valued over convention.
• Furthermore, within the organization, you can count on a range of opportunities to invest in your personal and professional growth.

The benefits of working with us at ING include: 

• Individual leave: 24+2 individual holiday days based on 36 hr workweek
• Diversity leave: 3 days per year (1,5 paid, 1,5 unpaid)
• CSR days: up to 2 days per year to actively engage in society by volunteering
• 13th month salary
• 8% Holiday payment
• Individual Savings Contribution (BIS), 3.5% of your gross annual salary
• Attractive pension scheme
• Hybrid working to blend home working for focus and office working for collaboration and co-creation

We redefine banking. What about you?

There has never been a more exciting time to work at ING. We’re on a journey centered around our customers, powered by technology, and driven by smart, determined people. Our customers feel empowered by our people to stay a step ahead in life and business. We’re proud of that!

Want to apply directly?

Upload your CV and motivation letter by clicking the “Apply” button. Please note, multiple interview steps involving various business stakeholders will be part of the selection process.

About us

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us and apply today!