Credit Fraud Expert

About the role

As a Credit Fraud Expert you join the Credit Risk Tribe of ING Belgium, which shapes policies and decision models and embeds proactive, future-proof approaches in technology and data. You cover the Belgian credit portfolio, including Personal Lending (mortgage and consumer loans), Business/Wholesale Lending and asset-based products, and make credit processes more fraud resilient.

Key responsibilities

• Analyse end-to-end credit processes (origination, in-life and restructuring) and identify weaknesses for fraud
• Develop and maintain a comprehensive credit fraud framework covering all business lines, products, decision tracks and the 1st and 2nd line of defense
• Liaise with ING Group functions and other locations on fraud trends, and share lessons learned and best practices
• Develop and monitor learning journeys for the credit community, including front office, approval and restructuring units
• Manage stakeholders across Fraud & Cybersecurity, Non-Financial Risk, Product Tribes and Credit Management
• Challenge credit policies so they reflect the latest insights on fraud methods, including digital and model-based decision journeys
• Embed automated fraud checks in target processes and assess their effectiveness, and leverage AI to improve fraud monitoring
• Represent the department in change projects and jointly steer process and policy improvements with the Risk and front office
• Act as the go-to expert for credit fraud, giving guidance on regulation, policies, controls, red flags and more

Required profile

• Master's degree or equivalent; experience counts towards equivalence
• At least 10 years in (internal) investigations, behavioral analytics and modelling, and/or credit experience in risk or front office roles
• Knowledge of fraud management and experience at a public authority (prosecution, police or investigative agency) is an advantage
• Advanced knowledge of AI is a clear advantage; otherwise it is developed on the job
• Fluent English and good understanding of French and/or Dutch
• Excellent stakeholder management, change-driving and presentation skills

What we offer

• A clear purpose and a unique offer with flexible compensation and benefits
• Personal growth and challenging work with many opportunities to expand your knowledge
• An informal, dynamic environment with diverse internal contacts