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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Risk Data Scientist | Risk Management @ING Bank - **Company:** ING Groep N.V. - **Location:** United States (Remote available) - **Contract:** Permanent contract - **Skills:** Microsoft Azure, Big Data, Data Integrity, Python (Programming Language), Machine Learning, Microsoft Office, Oracle (Applications), Raw Data, SAS (Software), SQL Databases, Model Validation, Data Management - **Published:** June 16, 2026 - **Apply:** https://arc.dev/remote-jobs/j/ing-romania-risk-data-scientist-risk-management-ing-bank-oxa0zf8t75 ## About the Role * Degree in Mathematics, Statistics, Cybernetics, or a related field * Fluent in English (written and spoken) * Experience in model development or validation is a plus Technical Skills * SAS, SQL (Microsoft/Oracle), Python * Microsoft Office tools * Familiarity with Azure DevOps * Understanding of lending markets and banking regulations (both Romanian and European) Personal competencies * Ability to see the bigger picture and make well-balanced decisions * Strong organizational, planning, and prioritization skills * Analytical thinking and problem-solving mindset * High attention to detail and accuracy * Proactive attitude, energy, and adaptability in complex environments * Strong communication and influencing skills * Emotional intelligence and collaborative mindset ## Description Within the Risk Data Science team, our mission is to design and continuously improve the credit risk modeling landscape, enabling sound and responsible credit decisions throughout the entire loan lifecycle. In this role, you will contribute to building models that directly support sustainable business growth while maintaining strong risk management practices. About The Team You will join a collaborative, forward-thinking team where analytical rigor meets innovation. We work with large datasets, modern tools, and advanced methodologies, including machine learning and AI, to extract meaningful insights and drive impactful decisions. Our team thrives on open communication, knowledge sharing, and continuous learning. We partner closely with colleagues across Risk, Business, IT, and Model Validation functions to ensure that our models are not only technically robust but also aligned with real business needs. Your day-to-day, In this role, you will support the full lifecycle of IFRS9 and Credit Decision models for retail, micro-companies, and SMEs. Your responsibilities will include: * Developing and calibrating models end-to-end, from scope definition and data collection to estimation and documentation * Supporting the implementation of models in internal systems * Monitoring model performance, interpreting results, and proactively suggesting improvements * Ensuring compliance with internal governance frameworks and methodologies * Preparing for independent model validation processes and addressing findings in a timely manner * Contribute to defining optimal cut-off strategies for Credit Decision Models, balancing risk and acceptance * Perform recurring and ad-hoc portfolio analysis to identify both opportunities and high-risk segments * Support business initiatives by selecting and analyzing client data for targeted campaigns * Ensure data integrity and proper data management in line with credit risk policies * Automate scripts and document workflows to improve efficiency and reliability * Apply advanced statistical techniques, including machine learning and AI, on complex datasets * Participate in global projects aligned with the bank's strategic priorities, * Impactful work in a fun and collaborative environment. * Open-concept offices designed for both team work and relaxation. * Corporate events and social gatherings. * Hybrid way of working with flexible working schedule and short week options. * Monthly budget on Benefit platform. * Extra annual leave days depending on the total length of working experience. * Growth opportunities through upskilling/reskilling programs and a variety of learning and development platforms: ING Learning Centre, Udemy, Bookster, trainings and certifications. * Possibility to access internal roles, International Short-Term Assignments or Long-Term Assignments. * Context to make an impact through Sustainability and Corporate Social Responsibility projects. ## Related Videos - [Data Governance in the Era of AI](https://www.wearedevelopers.com/videos/1622-data-governance-in-the-era-of-ai) - [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) - [The Missing Layer Between Enterprise Data and AI Agents](https://www.wearedevelopers.com/videos/100286-the-missing-layer-between-enterprise-data-and-ai-agents) - [PySpark - Combining Machine Learning & Big Data](https://www.wearedevelopers.com/videos/44-pyspark-combining-machine-learning-big-data) ## Related Articles - [Data Analyst Salary in the UK](https://www.wearedevelopers.com/magazine/278-data-analyst-salary-in-the-uk) - [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) - [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) - [Data Analyst Salary Austria](https://www.wearedevelopers.com/magazine/275-data-analyst-salary-austria) - [Data Engineer Salary UK](https://www.wearedevelopers.com/magazine/253-data-engineer-salary-uk) - [Top-Paying Tech Jobs (with Salaries)](https://www.wearedevelopers.com/magazine/372-top-paying-tech-jobs-with-salaries)