Sr. Product Manager | Business Banking Lending @ Bank

Discover ING Bank

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!

Your role will be to “see” the numbers behind the Companies’ lending processes and to turn them into impactful actions. Your mission is to analyze, optimize and identify initiatives that matter, using data and insights to create seamless and efficient customer journeys.

This role is about connecting the dots between insights related to customer experience when needing lending products for companies, operational efficiency targets and risk appetite by bringing innovation and reasoning in day-to-day activities.

We are seeking a creative thinker who can navigate complex products and environments, identifying optimal strategies to enhance client outcomes and drive structural digital transformation at ING.

• You will design and track customer journeys, using process mining skills and identifying high-impact areas

• You will create and deliver relevant digital products / processes for Business Banking lending clients

• You will use research data and select relevant information to enable analysis of key themes and trends, using primary data sources and business intelligence tools. Research data can refer to product/process/service performance, customer behavior and market trends or innovations.

• Your responsibilities will include fostering innovation, championing customer-centric product & process development, adhering to sustainability and risk management efforts for the products / processes you will oversee.

• You will be responsible for defining the requirements for the changes as well as risks, controls and generally safeguarding the processes’ efficiency, with strong focus on automatizations, streamlining journeys while controlling non-financial risks.

• You will interact with key stakeholders of the product, both internal (Tribe Lead, Chapter Leads, POs) and external to the Tribe (Risk, Legal, Ops, Finance, Compliance, Customer Interactions etc.). You represent the Tribe in front of any external stakeholders, whenever necessary for the initiatives undertaken.

• Customer journey mapping, process KRIs setting and observation are key artifacts you need to be familiar with;

• Design new products / features to adapt to clients’ needs, market trends and Business Banking Lending assumed KPIs;

• Work closely with various stakeholders, collect feedback, listen and challenge them so we can build a well-loved Product/ Process that delivers the most value;

• Support implementation of digital lending products strategy, aligned with business banking/bank objectives, market expectations;

• Monitor lending products & processes performance, both from a commercial perspective and with regards to risk indicators & operational impact;

• Bridge IT and business through understanding of client needs, digitization and ensure delivery is of the right quality by defining detailed journeys;

• Prepare and be ready to present the proposals for the products / processes for which you will be responsible in front…