Job Description

Shape risk decisions that drive business forward

At ING, we empower people and businesses to stay a step ahead. As a Senior Credit Officer within our regional Credit Risk function, you’ll play a key role in balancing sound risk management with business ambitions across Asia’s dynamic markets.

The role

As part of Transaction Approval & Control (TA&C), you will act as the second line of defence on transactions with ING’s corporate clients originated by Sectors, Lending, Transaction Services, Financial Markets, and CM&A teams across Asia.

You will be responsible for both executing client transactions from origination to closing and managing the credit risk of an assigned portfolio, serving as the primary point of contact for your portfolio.

Your focus will include Acquisition Finance (AF) and Real Estate Finance (REF), with exposure to other sectors such as Energy, TMT&H and MMF on an ad hoc basis.

Key responsibilities

• Advise on and approve credit proposals in line with delegated authority, risk appetite, policy and regulatory requirements
• Manage portfolio exposure within Risk Appetite Statement (RAS) boundaries while balancing commercial considerations
• Partner closely with front office teams, sharing and reinforcing a strong risk culture across the three lines of defence
• Act as a subject matter expert on sector, product and market developments, particularly in AF and REF
• Contribute to strategic discussions on risk appetite and portfolio steering at a sector and product level
• Coordinate implementation of global and regional regulatory commitments in the credit risk space
• Maintain strong oversight of compliance, non-financial risk, ESG risk and data quality standards
• Guide and develop junior team members to enhance team effectiveness and capability

About the team

TA&C operates as a central pillar of ING’s Credit Risk function in Asia. The team combines deep expertise in credit structuring, risk assessment, and market dynamics, ensuring that transactions are assessed rigorously while supporting sustainable business growth.

What you bring

• 12–15 years’ experience in Wholesale Banking front office and/or credit risk roles
• Expert knowledge of lending products and documentation, with working knowledge of financial markets products
• Strong understanding of Acquisition Finance and Real Estate Finance sectors, ideally with exposure to Asia and/or emerging markets
• Solid knowledge of regulatory developments, capital requirements and compliance considerations
• Proven ability to lead discussions, communicate across stakeholders, and make decisions under pressure
• Gravitas to engage effectively with senior management, auditors and regulators
• High integrity, attention to detail, and a results-oriented mindset in a dynamic environment
• Bachelor’s degree or above in Finance, Economics, Law, Engineering or related discipline
• Ability and willingness to confirm understanding and acknowledgement of the requirements for this role as a Material Risk Personnel under the Monetary Authority of Singapore’s Guidelines on Individual Accountability and Conduct (IAC, 2021), and to be designated as Identified Staff under ING’s Remuneration Regulations Framework

What we offer

• A strategic role with influence over complex, high-value transactions across Asia
• Exposure to senior stakeholders and regional decision-making forums
• A collaborative environment grounded in ING’s Orange Code and risk culture
• Opportunities to develop people, shape portfolios, and contribute to strategic direction

How to apply

Click the apply button on our career site and submit your application via Workday.

Equal opportunity

Don’t meet every single requirement? We’d still encourage you to apply. Diverse perspectives strengthen our teams and drive better outcomes.

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About ING

With 65,000 employees and operations in around 40 countries, ING empowers people and businesses to realise their vision for a better future through innovative, responsible banking.