Business Analyst

**Customer Journey Expert – Tribe Lending – Ireland – Credit & Capital Intelligence** Join ING Wholesale Banking’s Credit & Capital Intelligence (C&CI) team and help transform lending through data, automation and AI. As a Customer Journey Expert III, you’ll drive initiatives that enhance credit decision-making, risk monitoring and digital lending capabilities across Wholesale Banking. Your primary focus will be ARIA and Early Warning Indicator (EWI) Monitoring, while contributing to broader lending and risk transformation programmes. **About the Team** C&CI is shaping the future of Wholesale Banking Lending by delivering intelligent, data-driven solutions that improve how credit risk is assessed, monitored and managed. Our goal is to create a faster, safer and more scalable lending organisation through automation and innovative decision-making capabilities. **Roles and Responsibilities** As a Customer Journey Expert, you will bridge business, risk and technology teams to deliver innovative lending and risk management solutions. **Key responsibilities include:** * Driving improvements in credit monitoring, including ARIA and Early Warning Indicators (EWI). * Identifying opportunities to streamline and automate lending and risk processes. * Translating business needs into clear product requirements and user stories. * Partnering with stakeholders, engineers and data teams to deliver value-driven solutions. * Contributing to lending transformation initiatives leveraging data, analytics and AI. * Ensuring solutions align with regulatory, risk and compliance requirements. * Promoting best practices, continuous improvement and knowledge sharing across teams. **How to Succeed** We're looking for curious, driven professionals who take ownership, embrace change and continuously learn. **Experience & Expertise** * 3–5 years’ experience in Wholesale Banking, Lending, Corporate Banking, Credit Risk or a related field. * Strong understanding of lending products and credit processes. * Experience collaborating with Front Office, Risk, Portfolio Management or Credit Operations teams. * Ability to thrive in cross-functional Agile environments. **Desirable Knowledge:** Credit Risk, Loan Origination & Monitoring, Data Analytics, Process Automation, AI/Generative AI, and Wholesale Banking products such as Corporate Lending, Project Finance and Real Estate Finance. **Rewards and benefits** We want to make sure that it’s possible for you to strike the right balance between your career and your private life. The benefits of working with us at ING include: * 23–28 days of annual leave depending on level, increasing with tenure * A defined contribution pension scheme with employer contributions and matching options * A discretionary annual bonus * A €1,720 annual health insurance allowance * A hybrid working model * A 35-hour working week supporting work-life balance * Personal growth and challenging work with endless possibilities * An informal working environment with innovative colleagues **About us** Curious about how ING empowers people and businesses to move forward? [Discover what we do and what we can offer you.](https://careers.ing.com/en/about-ing) **Questions?** Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.