Credit & Policy Analyst

At ING, individuality is celebrated. Join a progressive, inclusive team where your ideas matter and your growth is supported. We’re proud to be an Employer of Choice for Gender Equality.

We’re looking for a Credit Policy Analyst who thrives on solving complex problems, optimising credit strategies, and driving meaningful change. If you're passionate about using data to uncover opportunities, influence policy, and shape smarter lending decisions, this is your chance to make a difference.

What You’ll Do:

Working in the 1st Line Business Banking Team you will:

• Optimise credit policies and settings to balance risk and reward, supporting sustainable portfolio growth and improved ROE.
• Identify new customer segments and policy opportunities using data-driven insights and independent analysis.
• Recommend and implement policy changes backed by strong commercial reasoning and evidence.
• Monitor portfolio performance and deliver actionable insights and recommendations to improve portfolio quality
• Collaborate across teams to enhance credit processes and improve customer experience.

What You’ll Bring:

• 8+ years in Financial Services, with deep expertise in credit risk, lending products, or credit operations.
• Proven experience in credit policy optimisation and portfolio analysis.
• Strong problem-solving skills and the ability to work independently to identify and act on opportunities.
• Advanced analytical skills, with proficiency in Excel and data interpretation.
• Excellent stakeholder engagement and communication skills- both oral and written
• Proactivity and an ability work independently and drive outcomes
• Sound knowledge of Commercial Lending (CRE & SME).

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 Rachel Yuen on rachel.yuen@ing.com

Applications close 12th August 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

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