Portfolio Credit Risk Manager

**Your Role & Work Environment** As a Portfolio Manager Credit Risk, you will be a key player in a **high‑exposure and well interconnected team,** central to ING Belgium’s credit risk management framework. You will be responsible for comprehensive **Private Individuals** portfolio analysis and credit insights, to fuel proactive credit management across the organisation, ensure that we remain **in control of our credit risks and processes** and contribute to strategic decision‑making. You will join a team of motivated professionals with strong expertise in credit portfolios, economics, data analysis and reporting. The team offers a dynamic, collaborative, and impact‑driven environment. **Your Key Responsibilities** **1\. Analyse & Assess Credit Portfolios** * **Build on portfolio performance and risks to steer lending exposures** * Highlight economic and business developments leading to credit risk evolution, enabling proactive steering of lending exposures *  Provide key insights stemming from early warning indicators and signals and guide discussions and alignment on product or sector vulnerabilities. * Develop clear risk appetite and regularly monitor actual developments against it, to timely inform senior management on significant trends. * Develop forward-looking perspectives to actively steer business developments within risk appetite * **Closely monitor production quality to inform credit acceptance models and policies** * Highlight key developments on production quality for portfolio as well as recent vintages to influence credit acceptance models and policies development * Review production volumes, risk profiles, underwriting, and early performance data Timely flag shifts in origination quality that may negatively impact future risk exposure. * **Deliver an integrated credit risk overview** * Combine performance data, macroeconomic trends, sector forecasts, process KPIs, and policy compliance for comprehensive credit oversight across customer and product categories **2\. Communicate Insights & Recommendations** * Present analyses, conclusions, and recommendations **clearly and effectively** to stakeholders. * Provide insights that support **senior management and regulatory assurance**. **3\. Manage Data & Analytical Tools** * Gather, prepare, and manage relevant data to **support portfolio insights and decision‑making**. * Define requirements and contribute to **automation and enhancement of data visualisation and analysis** tools. **4\. Drive Change & Collaboration** * Lead or participate in **project management activities**, ensuring timely delivery of objectives. * Work closely with risk departments, front‑office teams, and policy owners to support **change initiatives**, **process optimisation**, and **data/reporting enhancements**. **We Look For** **Required qualifications and skills:** * Master’s degree in **economics**, **applied economics**, **statistics**, or a related field. * Very strong data analysis skills with excellent analytical and presentation skills * Proficiency in **PowerPoint** and **Excel**, experience with **PowerBI and Python for data visualization** is considered a strong plus. * Excellent command of **English**, written and spoken. * Strong analytical and problem‑solving skills with a **proactive and hands‑on approach**. * Ability to work both **independently and collaboratively** in a dynamic team environment. * High **attention to detail** and the **drive to fully understand** issues before concluding. * Resilience, a positive and constructive **attitude** – ready to make it happen * Experience with **Vortex data** is an asset. **We Offer You** * Challenging projects with a **steep learning curve**. * A dynamic and informal environment where colleagues help you grow. * An **agile way of working** that values fresh ideas and continuous improvement. * Opportunities that support your **personal and professional development**.