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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Model Developer Predictive Analytics - **Company:** ING Groep N.V. - **Location:** United States (Remote available) - **Experience:** Experienced - **Contract:** Permanent contract - **Skills:** Microsoft Access, Microsoft Excel, Agile Methodology, Artificial Intelligence, Big Data, Computer Programming, Python (Programming Language), Machine Learning, SAS (Software), Microsoft SharePoint, SQL Databases, Data Processing, Machine Learning Operations - **Published:** August 15, 2026 - **Apply:** https://arc.dev/remote-jobs/j/redirect/pbyu45voal ## About the Role We are looking for someone with a strong analytical background and experience in IRB/IFRS9 rating models and/or Credit Decision Models (e.g. scorecards, Early Warning Systems), and an interest in the Model Lifecycle and emerging topics such as AI and advanced analytics., We hire people for their potential. In this role, we expect curiosity, ownership in your scope, and a willingness to continuously develop your expertise. * 4-6 years of experience in Credit Risk Modelling, including IRB, IFRS9 and/or Credit Decision models. * Strong quantitative background with deep knowledge of statistical methods, combined with practical experience in data science and credit risk domains. * MSc or PhD in a quantitative field (e.g. mathematics, physics, econometrics). * Proven track record in developing and implementing (credit risk) models. * Solid expertise in statistics and mathematical modelling. * Strong programming skills, preferably in Python, SAS (Base/Macro), SQL and related tools. * Experience with analytical and business tooling (e.g. SAS EG, Excel, Access, SharePoint). * Experience with data sourcing, processing, and working with large datasets. * Good understanding of the banking industry, lending products, and credit risk processes. * Hands-on experience or strong interest in applying AI/ML techniques in risk or analytics. * Experience in interacting with and advising senior stakeholders and guiding junior analysts. * Strong analytical mindset with the ability to translate complex problems into practical solutions. * Clear and effective communication skills, with the ability to write and report in English at a professional level. ## Description Predictive Analytics is responsible for the (co-)development and management of regulatory and non-regulatory Credit Risk models with state-of-the-art modelling methods, tooling, and data processing technologies. These models are core to the success of ING and they are applied for different purposes, amongst others to determine capital adequacy, loan loss provisions but also credit decisions and in-life & problem management of loans. You will work in an Agile environment, collaborating with colleagues across Risk, Finance, Business, and IT. The role offers strong opportunities to develop your modelling, data, and AI-related skills in a practical setting. Roles And Responsibilities The core task is to make an analytical contribution in maintaining a healthy lending portfolio in the near and far future. Your role will be to: * Develop, maintain, and enhance credit risk models for the Dutch portfolio, ensuring strong alignment with regulatory and business needs. * Design and implement regulatory models for IRB and IFRS 9 purposes, contributing to methodological improvements. * Analyse and interpret developments in provisions, risk costs, RWA, and arrears, translating outcomes into actionable insights. * Build and refine credit decision and in-life management models (e.g., Early Warning Systems). * Contribute to the integration of ESG risk into credit risk frameworks and analytics, in line with the bank-wide ESG strategy. * Support the introduction of new products and processes by ensuring robust credit risk measurement and informed decision-making. * Collaborate with Risk colleagues on the development and validation of credit risk policies, ensuring regulatory compliance and consistency. * Work closely with front office, Group Risk, and Finance to align priorities and share expertise across functions. * Partner with IT and data teams to ensure reliable data, infrastructure, and analytical environments. * Apply advanced analytics and, where relevant, AI/ML techniques to improve modelling approaches and efficiency. * Utilize modern tools (e.g., Python-based libraries) to enhance modelling and analytical workflows. * Stay current on developments in data science, AI, and credit risk, and apply these in practice. * Operate effectively within ING's agile Way of Working (WoW). ## Related Videos - [Unleashing the power of AI to prevent financial crime](https://www.wearedevelopers.com/videos/1088-unleashing-the-power-of-ai-to-prevent-financial-crime) - [Alibaba Big Data and Machine Learning Technology](https://www.wearedevelopers.com/videos/37-alibaba-big-data-and-machine-learning-technology) - [Fault Tolerance and Consistency at Scale: Harnessing the Power of Distributed SQL Databases](https://www.wearedevelopers.com/videos/1146-fault-tolerance-and-consistency-at-scale-harnessing-the-power-of-distributed-sql-databases) - [Times of (climate) crisis - How and why sustainable software is a must!](https://www.wearedevelopers.com/videos/988-times-of-climate-crisis-how-and-why-sustainable-software-is-a-must) - [Developer Experience, Platform Engineering and AI powered Apps](https://www.wearedevelopers.com/videos/990-developer-experience-platform-engineering-and-ai-powered-apps) - [PySpark - Combining Machine Learning & Big Data](https://www.wearedevelopers.com/videos/44-pyspark-combining-machine-learning-big-data) ## Related Articles - [Best Companies in the Netherlands: Top 25 Companies in 2023 ](https://www.wearedevelopers.com/magazine/193-best-companies-in-the-netherlands-top-25-companies-in-2023) - [Software Developer Salary in The Netherlands [2023]](https://www.wearedevelopers.com/magazine/217-software-developer-salary-in-the-netherlands-2023) - [Data Analyst Salary in the UK](https://www.wearedevelopers.com/magazine/278-data-analyst-salary-in-the-uk) - [The Biggest German Tech Companies](https://www.wearedevelopers.com/magazine/424-the-biggest-german-tech-companies) - [The Most Popular IT Jobs on the Market](https://www.wearedevelopers.com/magazine/376-the-most-popular-it-jobs-on-the-market) - [Coffee with Developers - Maria Apazoglou - Making AI understandable for all in production](https://www.wearedevelopers.com/magazine/475-coffee-with-developers-maria-apazoglou-making-ai-understandable-for-all-in-production)