Credit Risk Manager – Provisioning, Forecasting and Account Management

Ready to shape credit risk decisions that matter?

We're looking for a strategic and analytically minded Credit Risk Manager to lead provisioning and, forecasting workstreams, and provide account management oversight across a dynamic retail lending portfolio. This is an opportunity to influence senior stakeholders, drive regulatory excellence, and play a key role in protecting and strengthening the bank's financial performance.

This isn't just about reporting numbers. You'll be at the centre of key risk decisions, balancing commercial outcomes with regulatory requirements while helping shape the future direction of retail credit risk. If you thrive in a fast-paced environment where your expertise has real impact, we'd love to hear from you.

What you'll do

• Lead the end-to-end provisioning and forecasting process for retail lending portfolios, delivering robust insights that support strategic decision-making and financial planning.

• Monitor portfolio performance and emerging risk trends, using data and analytics to identify opportunities, anticipate challenges, and recommend actions that protect portfolio health.

• Partner with senior leaders across Risk, Finance, Product and Operations, providing clear, data-driven recommendations that influence key business and risk decisions.

• Drive compliance with regulatory and accounting requirements, ensuring provisioning methodologies, governance frameworks and reporting practices meet internal and external expectations.

• Oversee account management, collections and hardship strategies, balancing customer outcomes with effective risk management to optimise portfolio performance.

• Lead deep-dive portfolio reviews and scenario analysis, translating complex data into meaningful insights and forward-looking risk forecasts.

• Champion continuous improvement and innovation, enhancing risk management approaches, forecasting models and operational processes to deliver better business outcomes.

• Prepare and present insights to executive committees and senior stakeholders, confidently communicating risks, trends and recommendations to support informed decision-making.

What we're looking for

• Proven credit risk management experience (5+ years) with a deep understanding of credit risk principles within the Banking or Financial Services industry

• Experience with SAS, SQL, R or Python to manipulate large data sets

• Sound knowledge of banking products and trends in the banking industry

• Broad experience in credit risk analytics, with an understanding of the credit lifecycle and key credit functions

• Experience and knowledge of regulatory and accounting frameworks such as IFRS 9 and APS 220 is highly considered

• The ability to balance risk management with commercial objectives, acknowledging the broader business context when making key recommendations

• A collaborative approach and the confidence to build trusted relationships across the business

What’s in it for you?

• 20 weeks paid parental leave for parents of a child born, adopted or fostered

• Financial and leave support for employees who commit to study that benefits their development

• Employee home loan benefits

Before you apply

Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager

About Us

At ING, we’re all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we’re proud to support. Joining ING means stepping into an environment where your individuality isn’t just welcomed - it’s celebrated. We’ve built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.

Whether you’re taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you’ll find ING is the kind of place where growth isn’t just a possibility; it’s a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you’ll feel the difference in how we value and champion our people.

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you’re interested but don’t meet all the criteria, we encourage you to apply. We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We’re your allies in helping you do your thing during the recruitment process, so let us know (email below) if you require any support or adjustments when you apply

Sound like your kind of vibe? We can’t wait to hear from you!

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)

ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.

Need more?

Contact Gail Cunningham on gail.cunningham@ing.com

For support and adjustments, including DEI, LGBTQI+ confidential application support enquiries: rpoteam.au@ing.com

Applications close 24th August 2026

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