Machine Learning Senior Credit Model Developer

at ING
📍 Warsaw, Poland
PLN 90,000-120,000 per year
SENIOR
✅ On-site
✅ Visa Sponsorship

SCRAPED

Used Tools & Technologies

Not specified

Required Skills & Competences ?

Python @ 6 R @ 6 Statistics @ 4 Machine Learning @ 4 Data Science @ 4 Hiring @ 4 Git @ 4 Mathematics @ 4 Compliance @ 4 Agile @ 4

Details

Role Description

ING Hubs Poland is hiring a Senior Credit Model Developer with expertise in machine learning and credit risk. The team focuses on developing non-regulatory credit risk models using advanced analytics to support safe and reasonable credit-risk decision making and business growth.

Responsibilities

  • Develop and periodically monitor credit decision models across global ING business lines and locations.
  • Ensure models are conceptually sound and appropriate.
  • Ensure model compliance with regulations, internal policies, and industry best practices.
  • Collaborate with cross-functional teams including model validators, risk managers, and business stakeholders.
  • Stay up-to-date with industry trends and regulatory guidelines related to advanced analytics models.

Requirements

  • Advanced degree (PhD or Masters) in a quantitative discipline such as Computer Science, Data Science, Statistics, Mathematics, Physics, Econometrics, Quantitative Finance, or a related field.
  • Excellent knowledge of classic machine learning methods: supervised and unsupervised learning, classification, regression.
  • Experience in validation or development of credit risk models in financial institutions or related industries.
  • Strong analytical skills with ability to describe, articulate, and document model structure, logic, and results.
  • Proficiency in Python coding; knowledge of R, SAS, or other statistical programming languages is a plus.
  • Knowledge of credit risk management processes and models like credit decision scorecards, early warning systems, collection systems, IRB, IFRS9.
  • English verbal and written proficiency.

Bonus Skills

  • Knowledge of regulatory frameworks for credit risk management (IRB, IFRS9) and lending processes.
  • Experience with Agile methodologies.
  • Experience with code versioning using Git.

Benefits & Growth

  • Exposure to global ING business lines and locations.
  • Opportunities to develop expertise and share knowledge.
  • Skill development in Python and other statistical tools for machine learning.
  • Hands-on experience in developing and monitoring credit risk decision models (acceptance models, behavioural models, EWS).
  • Learning best practices for model compliance with regulations and policies.
  • Collaboration with cross-functional teams.
  • Staying current with evolving industry trends and regulatory guidelines related to machine learning and credit risk models.

Work Style

  • Combining technical and business expertise to ensure model appropriateness and compliance.
  • Managing projects end-to-end from initiation to finalization.
  • Encouraging enthusiasm, open-mindedness, and a proactive team player attitude.

The internal ING role naming for this position is "Model Developer IV".