Credit Risk Model Developer

The expected salary for this position: 7100 - 28 000 PLN 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 are passionate about quantitative risk modelling, have +3 years of experience and want to shape the future of credit risk management in a leading international banking group. * You have academic or professional experience in statistics, econometrics, data science, or financial engineering. * You are familiar with regulatory frameworks such as Basel (AIRB) and IFRS9, or eager to learn and grow in this space. * You enjoy working in diverse, cross-functional teams and thrive in a collaborative, international environment. * You are comfortable with programming languages such as SAS, Python or R, and have experience (or interest) in working with large datasets. * You communicate clearly, document thoroughly and enjoy collaborating in agile squads. **You'll get extra points for:** * Hands-on experience in developing, monitoring, or validating AIRB or IFRS9 models. * Knowledge of banking portfolios (retail, corporate, SME, etc.) and credit risk models’ lifecycle. * Familiarity with regulatory expectations from ECB, EBA, or local supervisors. * Strong communication skills and ability to explain complex concepts to non-technical stakeholders. * Professional certifications such as FRM, PRM or CFA. **Your responsibilities:** Depending on your seniority level, you will: * **Specialists**: Contribute to model design, coding, and testing; participate in regulatory submissions and internal reviews. * **Senior Specialist**: Lead monitoring of AIRB/IFRS9 models and development of model parameters, coordinate with validation and audit teams, ensure compliance with regulatory standards. * **Experts**: Lead development of AIRB/IFRS9 models, mentor junior staff, represent the team in regulatory discussions. * **Senior Experts**: Lead complex projects, engage with senior stakeholders across risk, finance, and compliance. **Information about the team:** The **Retail Credit Risk Model Development** team is a centre of expertise within ING Group, responsible for the development, enhancement and monitoring of regulatory and accounting models across multiple jurisdictions and portfolios. We are transitioning from project-based setup to portfolio-oriented team, enabling deep collaboration with local entities across the Group. This structure offers a unique opportunity to work on international projects, gain exposure to diverse asset classes and model types and specialize in specific portfolios – making a tangible impact on the broader risk management function. We work closely with business units, model validation, and regulatory affairs to ensure our models are robust, compliant, and fit-for-purpose. We value diversity, curiosity, and continuous learning. Whether you're just starting your career or bringing years of experience, we offer a supportive environment where you can grow and make a real impact. We work in a hybrid model with up to 75% remote work. You’re always welcome to join us in our state-of-the-art Warsaw office whenever you prefer.