Sr. Product Manager | Lending Acquisition @ING Bank

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📌 Core Information

🔹 Job Title: Sr. Product Manager | Lending Acquisition

🔹 Company: ING

🔹 Location: Romania

🔹 Job Type: On-site

🔹 Category: Financial Services

🔹 Date Posted: April 2, 2025

🔹 Experience Level: 2-5 years

🔹 Remote Status: Hybrid

📌 Essential Job Details

🚀 Job Overview

Key aspects of this role include:

• Managing the lending product portfolio for retail segments and broker relationships.
• Aligning product delivery with business objectives and stakeholder requirements.
• Ensuring process compliance with internal and external regulations.
• Maintaining effective communication for project implementation.

ASSUMPTION: The role focuses on innovation and efficiency in lending product development, improving customer accessibility through digital processes.

📋 Key Responsibilities

✅ Manage the portfolio of lending products and credit broker relationships to achieve business goals like profitability and market share.

✅ Ensure product and process delivery aligns with stakeholder requirements.

✅ Build and monitor processes for credit product delivery, ensuring functionality testing and operational risk management.

✅ Maintain process compliance with regulations, risk policies, and legal requirements.

✅ Foster effective communication to implement projects and maintain process efficiency.

✅ Develop strong relationships with beneficiaries and support teams like risk, IT, marketing, and operations.

✅ Provide support for product-related operational issues when necessary.

ASSUMPTION: Assumed responsibilities might extend to strategic planning and market analysis to enhance product offerings and customer engagement.

🎯 Required Qualifications

Education: Degree in Economics, preferably Finance or Banking

Experience: Ideal - Experience in Retail Lending; at least 3 years in Product Management

Required Skills:

• Product Management
• Lending and Credit Processes
• Project Coordination
• Risk Management and Compliance
• Communication and Teamwork

Preferred Skills:

• Experience with credit process management with brokers
• Innovation and customer-focused approach

ASSUMPTION: These qualifications suggest a candidate who is strategic, data-driven, and able to lead cross-functional teams.

💰 Compensation & Benefits

Salary Range: Not specified but potentially competitive due to the technical and leadership elements required.

Benefits:

• Flexible working hours and hybrid options
• Corporate events and social gatherings
• Additional vacation days based on total work experience
• Upskilling programs and diverse learning platforms like ING Learning Centre, Udemy, and Bookster
• Opportunities for internal roles and social responsibility projects

Working Hours: 40 hours per week, with some flexibility options.

ASSUMPTION: Benefits are designed to support work-life balance and professional development, emphasizing employee well-being.

📌 Applicant Insights

🔍 Company Context

Industry: Financial Services with an emphasis on sustainability and innovation

Company Size: 501-1,000 employees, indicating a robust structure with room for growth and innovation

Founded: Not Specified

Company Description:

• Pioneering in modern and innovative banking solutions since establishing in Romania 30 years ago
• Fosters an environment of autonomy and responsibility
• Focuses on technological advancements to enhance customer experience

Company Specialties:

• Lending Services
• Wholesale Banking
• Financial Advisory

Company Website: http://www.ingwb.com

ASSUMPTION: Despite the lack of a specified founding date, ING's long presence in Romania and global operations underpin a stable and innovative work environment.

📊 Role Analysis

Career Level: Senior, with responsibilities in leadership and strategic decision-making

Reporting Structure: Likely reports to a higher management level, with considerable interaction across departments

Work Arrangement: Hybrid, allowing for flexible working conditions

Growth Opportunities:

• Access to internal roles and career development programs
• Opportunity to lead impactful projects and initiatives
• Participation in sustainable and socially responsible projects

ASSUMPTION: The position offers extensive networking and professional development opportunities, leveraging ING's expansive operations.

🌍 Location & Work Environment

Office Type: Open-concept offices designed for collaboration and relaxation

Office Location(s): Romania-based with significant digital operations

Geographic Context:

• Growing fintech environment in Romania
• Accessible international presence through ING Group
• Vibrant local financial services market

Work Schedule: Full-time schedule with potential for flexible working hours

ASSUMPTION: The hybrid work model accommodates both onsite collaboration and remote productivity, useful in dynamic project environments.

💼 Interview & Application Insights

Typical Process:

• Initial application review
• Phone or video interviews
• In-person interviews with team leads
• Assessment of technical and strategic competencies
• Final interview with upper management

Key Assessment Areas:

• Technical expertise in product management and lending processes
• Leadership and communication skills
• Ability to align strategy with regulatory and market demands

Application Tips:

• Highlight experience in lending and credit process innovation
• Emphasize leadership roles and strategic impact
• Showcase adaptability and communication efficiency in global contexts

ATS Keywords: Product Management, Lending, Credit Processes, Risk Management, Innovation, Communication

ASSUMPTION: The application process is competitive, emphasizing strategic leadership and technical expertise aligned with ING’s mission.

🛠️ Tools & Technologies

• CRM and ERP systems for product management
• Advanced data analytics tools
• Compliance and risk management software

ASSUMPTION: A proficiency in modern banking software and data tools is likely expected to enhance product and risk management functions.

👔 Cultural Fit Considerations

Company Values:

• Innovation
• Customer-Centricity
• Sustainability

Work Style:

• Collaborative and team-oriented
• Focus on results and strategic impact
• Flexible and adaptive to change

Self-Assessment Questions:

• How do I align with a pioneering and innovative financial institution?
• Can I adapt to a dynamic and high-growth environment?
• Am I willing to lead strategic initiatives that impact a large customer base?

ASSUMPTION: A candidate should resonate with ING’s core values and demonstrate the ability to thrive in an innovative, collaborative, and impact-driven environment.

⚠️ Potential Challenges

• Adapting to regulatory changes in credit and finance
• Meeting the competitive demands of the financial services industry
• Driving innovation in a structured corporate environment
• Balancing stakeholder expectations with regulatory compliance

ASSUMPTION: Candidates should be prepared to address these challenges with strategic thinking and adaptability, leveraging industry knowledge and stakeholder collaboration.

📈 Similar Roles Comparison

• Similar roles at fintech startups may offer greater flexibility but less stability.
• Large traditional banks might focus more on compliance with slower innovation.
• Non-banking financial services may involve broader cross-sector responsibilities.

ASSUMPTION: Comparisons highlight the balance ING maintains between innovation and stability, offering unique growth opportunities in a well-established institution.

📝 Sample Projects

• Developing a digital lending platform feature
• Coordinating a compliance upgrade initiative across multiple teams
• Leading a customer experience enhancement strategy for credit products

ASSUMPTION: Projects likely have a strong emphasis on innovation, digital transformation, and customer-centric process improvement.

❓ Key Questions to Ask During Interview

• What recent innovations has ING implemented in its lending products?
• How does ING approach balancing compliance with product innovation?
• What opportunities exist for professional development within the role?
• How does the team handle shifts in regulatory landscapes?
• What strategies are in place for entering new markets?

ASSUMPTION: Questions should focus on understanding the company's strategic direction, innovation priorities, and employee growth opportunities.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through this link
• Prepare for an initial phone screening
• Demonstrate strategic leadership and lending experience
• Prepare real-world examples of past project successes
• Align your goals with ING's innovation-driven approach

⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.

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