The expected salary for this position: 7100 - 28 000 PLN The financial ranges specified in the announcement are adjusted and may differ from the range specified in the remuneration regulations. We are looking for you if: You are passionate about quantitative risk modelling, have +3 years of experience and want to shape the future of credit risk management in a leading international banking group. You have academic or professional experience in statistics, econometrics, data science, or financial engineering. You are familiar with regulatory frameworks such as Basel (AIRB) and IFRS9, or eager to learn and grow in this space. You enjoy working in diverse, cross-functional teams and thrive in a collaborative, international environment. You are comfortable with programming languages such as SAS, Python or R, and have experience (or interest) in working with large datasets. You communicate clearly, document thoroughly and enjoy collaborating in agile squads. You'll get extra points for: Hands-on experience in developing, monitoring, or validating AIRB or IFRS9 models. Knowledge of banking portfolios (retail, corporate, SME, etc.) and credit risk models’ lifecycle. Familiarity with regulatory expectations from ECB, EBA, or local supervisors. Strong communication skills and ability to explain complex concepts to non-technical stakeholders. Professional certifications such as FRM, PRM or CFA. Your responsibilities: Depending on your seniority level, you will: Specialists: Contribute to model design, coding, and testing; participate in regulatory submissions and internal reviews. Senior Specialist: Lead monitoring of AIRB/IFRS9 models and development of model parameters, coordinate with validation and audit teams, ensure compliance with regulatory standards. Experts: Lead development of AIRB/IFRS9 models, mentor junior staff, represent the team in regulatory discussions. Senior Experts: Lead complex projects, engage with senior stakeholders across risk, finance, and compliance. Information about the team: The Retail Credit Risk Model Development team is a centre of expertise within ING Group, responsible for the development, enhancement and monitoring of regulatory and accounting models across multiple jurisdictions and portfolios. We are transitioning from project-based setup to portfolio-oriented team, enabling deep collaboration with local entities across the Group. This structure offers a unique opportunity to work on international projects, gain exposure to diverse asset classes and model types and specialize in specific portfolios – making a tangible impact on the broader risk management function. We work closely with business units, model validation, and regulatory affairs to ensure our models are robust, compliant, and fit-for-purpose. We value diversity, curiosity, and continuous learning. Whether you're just starting your career or bringing years of experience, we offer a supportive environment where you can grow and make a real impact. We work in a hybrid model with up to 75% remote work. You’re always welcome to join us in our state-of-the-art Warsaw office whenever you prefer. We’re a global bank with a strong European base, and our more than 60,000 colleagues serve around 38 million customers and corporate clients in over 40 countries. Joining ING means working with friendly and collaborative people towards making a positive impact on people and planet. We believe in empowering the people around us and our customers to stay a step ahead. Working here means having the autonomy to drive progress, helping to create superior customer value and contributing to our ambition of putting sustainability at the heart of everything we do. Here, we’re more than just a workplace – we’re a community of innovators, problem-solvers, and forward-thinkers, dedicated to making a real impact. Whether you’re just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow. Your future at ING starts with one application. Ready to join? We’ve got plenty of opportunities to match your skills and aspirations! Use the filters below the search bar – like location and job type – to help you find the perfect fit. Start exploring now and discover where your next career move could take you!