Product Area Lead Mortgages Risk & Portfolio Control

Product Area Lead Risk & Portfolio Control

Shape how ING Mortgages NL grows in control
As Product Area Lead Risk & Portfolio Control, you play a key role in balancing growth, customer value and risk for one of ING’s largest and most strategic portfolios. You ensure the business operates in control while enabling better decisions, stronger performance and sustainable impact.

Mortgages NL plays a key role in ING’s impact on the Dutch housing market, supporting over 700,000 homeowners and managing a portfolio of more than €130 billion. It is a core driver of long-term value, combining financial performance with strong customer and broker relationships, and societal impact. Our ambition is to grow the difference through superior experiences, with financial health, sustainability and digital leadership at the heart.

Area Risk & Portfolio Control
The area safeguards the integrity and quality of the ING Mortgages NL portfolio by ensuring robust first-line risk management, effective control frameworks and high-quality decision-making. It plays a central role in balancing growth, customer interests and risk, translating strategy and regulation into a clear and actionable risk agenda, while enabling transformation and continuous improvement.

Bringing together the teams Quality Management and Secured Funding Control, next to Safe Business Officers, the area connects portfolio oversight, operational quality and first line risk. It ensures risks are identified, managed and embedded in both day-to-day operations and strategic initiatives, including large-scale transformation programmes. The area acts as the primary business counterpart for first-line risk management, driving direction, prioritisation and alignment, and ensuring ownership is anchored in the business. At its core, it combines strong governance with a forward-looking perspective, using insights to improve decision-making and strengthen risk culture.

Purpose of the job
As Area Lead Risk & Portfolio Control, you are a member of the Mortgages NL Leadership Team and responsible for shaping and steering the overall risk, control and quality agenda of ING Mortgages NL. You ensure sound decision-making, customer interests and sustainable performance remain at the heart of everything we do. The role combines strategic leadership, business partnering and organisational development at the intersection of business, risk, transformation and governance. You act as the key business counterpart for first-line risk management and translate business objectives into effective risk and control outcomes. As a Leadership Team member, you contribute beyond your own domain and actively shape the future direction, capabilities and culture of ING Wonen.

Your responsibilities

• Steer the overall risk, control and quality agenda of ING Wonen and ensure alignment with business strategy and priorities.

• Act as trusted advisor and sparring partner to the Tribe Lead, Leadership Team and senior stakeholders on governance, risk and control topics.

• Lead and develop the Risk & Portfolio Control domain, ensuring strong performance, clear priorities and continuous improvement.

• Drive effective collaboration between business, risk, compliance and  audit

• Ensure that risk and control considerations are embedded in strategic decision-making, transformation initiatives and day-to-day business execution.

• Foster a strong risk culture, ownership mindset and customer-focused approach across the organisation.

• Contribute to the strategic direction, organisational effectiveness and long-term success of ING Wonen as a member of the Leadership Team.

• Drive talent development, succession planning and capability building, helping to create a strong pipeline of future leaders and specialists.
   

How to succeed
We hire smart people like you for your potential. Our biggest expectation is that you stay curious. Keep learning. Take ownership. In return, we’ll support you in developing into an even stronger leader. This role calls for a strategic leader who combines strong business acumen with deep expertise in risk, control and governance.

• You navigate complexity, influence at senior level and translate strategy into clear priorities and action.

• You bring extensive leadership experience in mortgages, risk management and business control, with a strong understanding of how these functions come together to drive sustainable business outcomes.

• You have a strong understanding of non-financial risk, control frameworks and regulatory environments, and translate these into pragmatic, business-relevant outcomes.

• You bring deep knowledge of the Dutch mortgage market and its products, including its intermediary‑driven dynamics and understanding of Dutch customer segments.

• You have solid knowledge of the Dutch legal, regulatory and compliance landscape relevant to mortgages, and understand how regulatory requirements translate into product design, customer journeys, governance and risk controls.

• You have proven experience operating at senior management level, acting as a trusted advisor and sparring partner

• You demonstrate strong leadership, with a track record of building high-performing teams and developing talent.

• You combine analytical strength with a pragmatic, execution-driven mindset.

• You bring experience in leading change and transformation in a complex environment.
   

Most importantly, you are committed to strengthening organisational capability and delivering sustainable performance through strong governance, effective risk management and disciplined execution.

If you thrive at the intersection of strategy, risk and business performance, this role empowers you to drive impact for ING Mortgages NL and strengthen the foundation of sustainable growth. As Product Area Lead Risk & Portfolio Control, you are a member of the Mortgages NL Leadership Team and report hierarchically to the Tribe Lead.