Product Lead – Business Lending - Credit Decision Engine

at  ING

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 Product Lead steps in.
The Product 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.
As a Product Lead Credit Decisioning Engine, you are responsible for developing, enabling, and steering the vision on credit decisioning. Credit decisioning is a key capability to create a differentiating experience for our business banking customers. Further developing this capability for internal and external consumption is critical for future commercial success.
You do this by steering squads who work 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 a Product Lead, you:

• Own a product (end-to-end), which means you are accountable for the product vision, including functionality, technology, user experience design, monetising 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 prioritisation of the product backlog, under consideration of relevant stakeholder needs
• Prioritise 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 Customer Journey Experts, working in multiple squads organized around your product

PROVEN TRACK RECORD AND TECHNICAL SKILLS:

As a Product Lead Credit Decision Engine, you have:

• Experience in defining strategies and policies in order to set and deliver objectives within medium to long time frames
• A proven track record in processes of digitalization, backlog management and resource planning
• Experience in product/service management and development
• Sound experience in building and executing strategic roadmaps
• Experience in explaining complex issues in an easy-to-understand way to get people on board, including by using your strong analytical skills
• Expertise and experience in credit risk (frameworks, policies, models) is a strong plus
• An excellent level of English
• A Master’s Degree

ABOUT US

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us. Apply today.

Please refer the Job description for details