Job Description

Your role and work environment

At ING, we are further strengthening our product-driven way of working to deliver sustainable value at scale. Within Real Estate Finance NL (REF NL), we support professional real estate investors through a strong regional presence and a centrally organised delivery organisation in Amsterdam. REF NL is widely recognised as the leading Dutch real estate lender, combining deep market knowledge with a strong reputation in a highly regulated financial environment.

Within REF NL Product Delivery, we are responsible for delivering the processes, systems and technologies that enable REF to operate as a leading real estate lender.

For the Employee & Customer Services product, we are looking for a Product Lead who drives the design and optimisation of core business processes for both customers and employees. This product focuses on end-to-end journey optimisation, simplification of workflows, and improving operational efficiency at scale.

You play a key role in translating REF strategy into tangible product outcomes. Within ING’s Boosting Agile transformation, you help shift the organisation from delivery-focused execution to true product thinking, with a strong focus on value creation, prioritisation and sustainable delivery.

The team

You will be part of the leadership team of BBNL REF Delivery, a centrally organised group of multidisciplinary teams in Amsterdam. These teams support the end‑to‑end Real Estate Finance value chain, including customer servicing, risk processes, reporting, and finance.

You will operate at the heart of the leadership trinity, where Product Teams work closely with IT Leads, Architects, and senior stakeholders across Business, Risk, Finance, and Operations. Together, you ensure that REF’s digital products are reliable, compliant, scalable, and valuable for both customers and colleagues.

Role

As Product Lead, you provide direction, vision and strategy to a multidisciplinary team of Data Scientists and Customer Journey Experts within Real Estate Finance. You operate at the intersection of business, data science and regulation, ensuring that data‑driven products delivered deliver sustainable value while meeting regulatory and governance expectations.

The role includes identifying high‑value analytics and GenAI opportunities, translating new laws and regulations into product capabilities, prioritising use cases, ensuring that models and AI solutions are reusable and explainable and make sure REF aligns with new rules and regulations. You guide teams in making deliberate choices between innovation and control, embedding data and AI responsibly into daily business processes.

The data science models under your responsibility support risk insights, portfolio steering and decision‑making by leveraging advanced analytics, predictive models and innovative Generative AI technologies Through a clear product vision and prioritisation, you ensure that insights are scalable, traceable and actionable for both business and regulatory stakeholders.

Your key responsibilities

• Define and execute the product vision and strategy for Employee & Customer Services, aligned with REF NL strategy

• Drive prioritisation and value-based decision making, by using OKRs, QBRs and Obeya ensuring focus on the highest impact initiatives
  
• Drive product thinking: shift from project delivery to durable, consumable digital products delivered “as a service”

• Co-create and maintain a product roadmap that clearly contributes to the strategic objectives of REF
  
• Lead and empower teams by providing clear direction, priorities, and context—without micromanaging delivery

• Drive operational efficiency and simplification, reducing complexity in processes and improving scalability
  
• Optimise end-to-end customer and employee journeys across systems and processes
  
• Ensure delivery of compliant, secure and future-proof solutions in a regulated
  environment
  
• Collaborate closely with stakeholders across business, IT, risk and operations

How to succeed

You are a senior product professional who combines strategic thinking with hands‑on execution. You are comfortable operating in regulated environments and understand the importance of data governance, model transparency and regulatory controls.

You succeed in this role if you:

• Proven experience as a Product Lead or similar role in a complex organization
  
• Strong affinity with customer journeys, process optimisation and digital transformation
  
• Experience with workflow-driven environments and platforms (e.g. PEGA) is strongly preferred
  
• Ability to translate strategy into clear priorities, roadmaps and executable outcomes
  
• Strong stakeholder management skills and ability to influence at senior level
  
• Experience working in an Agile / product-driven environment (experience with Boosting Agile is a plus)
  
• A data-driven mindset and focus on continuous improvement
  
• Strong leadership skills to inspire teams and drive results

Rewards and benefits

At ING, we believe in empowering our people and supporting them both professionally and personally. You can expect:

• 25–28 vacation days
• Pension scheme
• 13th‑month salary
• 8% holiday allowance
• Hybrid working
• Personal growth opportunities
• An informal and innovative working environment

About us
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Discover what we do and what we can offer you

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