Expert Lead Data Modelling Business Lending

Expert Lead Data Modelling Business Lending

At ING we have bold ambitions to improve the digital experience for our customers while empowering people’s financial health. At the same time, we want to make a positive contribution to the society and the world we live in. To deliver on these ambitious promises, we need to have a strong strategic and commercially focused organization around our products. We need to ensure our squads are working on product innovations that are valuable, viable and feasible. This is where the Expert Lead steps in.

The Expert Lead is a position where all elements of a product come together, the what and the how, with an end-to-end responsibility. You define how we manage the business value and how we deliver a differentiating customer experience. You enable your squads to deliver and run the product effectively. We therefore need someone who can contribute to a continuous, emerging, all-round product vision that is covering all elements for the product life cycle, with the goal to increase customer impact and deliver business value.  

Your role

As an Expert Lead Data Modelling within Business Lending, you will lead a team of specialists responsible for connecting risk rating models to the business lending journeys across segments such as SME/SBF, Private Banking, Large Corporates, Project Finance, Commercial Property Finance, and Government Related Entities. Your mission is to ensure that our risk model data strategy and IT assets support easy, smart, and personal lending experiences for our internal customers while meeting strict regulatory and compliance standards.

You will oversee the redevelopment and implementation of credit risk models, ensure regulatory compliance, and drive data-driven decision-making across the Tribe. Acting as a key liaison between risk, business, IT, and regulatory stakeholders, you will represent the Tribe in strategic boards and external meetings with regulators.

You do this by steering a squad who works on the product by providing them with a strategic direction, by coaching them on the job, defining the product roadmap and by managing stakeholders around the product. The people who work in the squads report hierarchically to you, which means it is your job to empower them to thrive and perform at their best. You set direction, you help them to develop their craftsmanship and you have continuous conversations about their career development. 

Roles and responsibilities 

As an Expert Lead, you: 

• Own a product (end-to-end), which means you are accountable for the product vision, including functionality, technology, user experience design, monetizing the functionality (or interaction pattern with internal consumers), how to acquire users and customers and offline experiences that are needed to deliver on the product’s value 

• Take collective ownership of the product, including engineering and architecture aspects 

• Perform analyses to stay on top of market trends, to ensure product’s competitive position 

• Define the roadmap of the product to maximize business value through ordering and prioritization of the product backlog, under consideration of relevant stakeholder needs 

• Prioritize the product backlog (both on functional as non-functional requirements as risks, reliability, IT Run, LCM) 

• Focus on delivery through collaboration, ability to bring people together to work towards the same purpose.  

• Take responsibility, steer strategy and realisations based on facts and data, and display managerial courage to question and make decisions. You are a mandated IT asset owner, risk manager, and in case of a non-generic IT asset, data owner for the product and accept test results and approves (IT) changes on the product 

• Ensure adherence to Process Control Standards 

• Build the craftmanship of the employees in the team 

• Ensure compliancy with relevant regulation and internal/external requirements  

• Are the hierarchical manager of a team of Data Analysts, working in multiple squads organized around your product 

What are we looking for?

Leadership & Strategy

• Lead and inspire a multidisciplinary team of data analysts and specialists.
• Define and execute the vision for risk model data management and IT asset governance within Business Lending.
• Align priorities with Tribe objectives and regulatory requirements.

IT Asset Ownership & Governance

• Own and manage IT assets related to risk modelling and data platforms, ensuring lifecycle management, security, and compliance.
• Ensure adherence to IT governance frameworks and internal control standards