ING BANK

Empowering responsible growth through smart credit decisions
Join our dynamic Sector & Asset Based Finance team, where you’ll combine analytical epertise with strategic thinking to manage comple credit transactions for leading Dutch Mid Corporate clients. We’re looking for a strategic and hands-on leader to guide our Leasing & Commercial Finance risk team. You’ll be at the heart of comple credit decisions, working closely with commercial colleagues and shaping the future of asset-based finance. This is your chance to make a real impact, on our clients, our portfolio, and your team. If you thrive in a fast-paced environment and enjoy combining analytical depth with leadership, we’d love to meet you.

ABOUT US

Curious about how ING empowers people and businesses to move forward? Discover what we do and what we can offer you.

QUESTIONS?

Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.
We are looking forward to your application!
Your place of work

ROLE AND RESPONSIBILITIES

You’ll lead a team of 5 risk managers and act as the key contact for ING Lease and ING Commercial Finance. You’ll oversee portfolio performance, support product development, and ensure alignment between 1st and 2nd line responsibilities. You’ll also co-lead team development, coaching, and performance evaluation.
In addition to your leadership role, you’ll be hands-on in managing and advising on client transactions - from origination to closing - while safeguarding ING’s credit risk appetite.

Furthermore, you will:

• Approve and advise on credit applications, modifications, and reviews
• Monitor the ABF portfolio and propose improvements
• Define and advise on risk appetite for ABF products
• Coach and develop team members
• Collaborate with front office and support departments
• Maintain strong relationships with internal and eternal stakeholders
• Ensure compliance with credit policies and approval conditions
• Support other Sector & ABF teams when needed
• Contribute to risk policy development and strategic projects

The Transaction Approval & Advice (TA&A) department is responsible for analysing, advising on, and approving tailored lending transactions. We ensure these align with ING’s risk appetite while supporting sustainable business growth. Our 50 risk managers are organised into three teams:

• Portfolio (loans €5M)
• Sector & Asset Based Finance (> €5M)
• Specialised Lending (Sustainable Finance, Structured Debt & Equity

To succeed in this role, you’ll need:

• 8+ years of eperience in lending, with strong credit analysis skills
• Proven eperience in Asset Based Finance (preferred)
• Familiarity with legal documentation (e.g. LMA, FAAN)
• A collaborative mindset and strong communication skills
• A proactive, hands-on attitude with high integrity
• Confidence to challenge ideas constructively and think independently
• Affinity with data and automated credit decisioning
• Fluent in Dutch and English
• Academic background (MSc) in Finance, Business, Economics or simila