Job Opportunities in Netherlands
September 24, 2024
ING
Bunnik
Customer Journey Expert (Product management) - ING Commercial Finance
Commercial Finance NL (Com Fin) is part of Business Banking and provides working capital to clients based on debtors and inventory (asset based). Characteristic for asset-based lending is that the amount of the loan is primarily based on the value of the customers’ collateral as opposed to financing that is primarily based on the firm and its credit worthiness.
Commercial Finance within ING is active in the Netherlands, Belgium, Poland, and Romania with a combined profitable outstanding of ~ EUR 6.5B, having a strong presence in Mid-Corporate and Corporate markets. Commercial Finance has grown over the past 10 years with a CAGR of approximately 16,5%.
The factoring market is a rapidly growing market globally, enabled by the rise of new technologies. Commercial Finance has the ambition to expand growth in the SME segment, especially through the application of digital channels.
Commercial Finance NL (Com Fin) has started a transformation program Factor10 to future-proof its IT landscape and enable further growth opportunities. This includes renewal of its core IT platform, new product development, deeper integration in ING Business Banking customer- and employee journeys and redesigning Com Fin towards digital operations.
The Commercial Finance Product & Delivery team is organized in several squads (i.e., Platform, Portals & Interfaces, FL Development, MI-BI and Product Development). As CJE Product Management you report to the Product Area Lead Commercial Finance, and you are part of the Product Development squad.
Customer Journey Expert – Product Management
As CJE Product Management, you will drive the short- and long-term strategy for Commercial Finance products in ING Netherlands and ING Belgium. In this role you are keen to deliver a set of products that are reliable, scalable, and secure, while also providing the best possible customer experience for our business banking customers in the Netherlands and in Belgium. Also important is to create a strong commercial product portfolio aiming at stable and sustainable income flows.
The Product Management Team is tasked with developing and managing product strategy and lifecycle, including catalog, governance, marketing, customer satisfaction, market research, new product design, performance, risk management, policy updates, data reporting and content management.
Product Management responsibilities:
What will you do?
As CJE Product Management you are responsible for optimizing the product portfolio and the development of cross border product propositions that can be used in multiple ING countries (focus on Netherlands and Belgium), keeping Com Fin relevant to our customers in a highly competitive environment. That means translating market developments (informed by the sales organization and external input), ING policies and regulatory requirements (e.g., EBA LOM) into requirements for product development and enhancements of existing products and provide a vision on how Com Fin can market these products.
As CJE product management:
We are looking for:
About you
You have:
Rewards and benefits
We want to make sure that it’s possible for you to strike the right balance between your career and your private life. You can find out more about our employment conditions at https://www.ing.jobs/netherlands/Why-ING/benefits.htm
The benefits of working with us at ING include:
Commercial Finance within ING is active in the Netherlands, Belgium, Poland, and Romania with a combined profitable outstanding of ~ EUR 6.5B, having a strong presence in Mid-Corporate and Corporate markets. Commercial Finance has grown over the past 10 years with a CAGR of approximately 16,5%.
The factoring market is a rapidly growing market globally, enabled by the rise of new technologies. Commercial Finance has the ambition to expand growth in the SME segment, especially through the application of digital channels.
Commercial Finance NL (Com Fin) has started a transformation program Factor10 to future-proof its IT landscape and enable further growth opportunities. This includes renewal of its core IT platform, new product development, deeper integration in ING Business Banking customer- and employee journeys and redesigning Com Fin towards digital operations.
The Commercial Finance Product & Delivery team is organized in several squads (i.e., Platform, Portals & Interfaces, FL Development, MI-BI and Product Development). As CJE Product Management you report to the Product Area Lead Commercial Finance, and you are part of the Product Development squad.
Customer Journey Expert – Product Management
As CJE Product Management, you will drive the short- and long-term strategy for Commercial Finance products in ING Netherlands and ING Belgium. In this role you are keen to deliver a set of products that are reliable, scalable, and secure, while also providing the best possible customer experience for our business banking customers in the Netherlands and in Belgium. Also important is to create a strong commercial product portfolio aiming at stable and sustainable income flows.
The Product Management Team is tasked with developing and managing product strategy and lifecycle, including catalog, governance, marketing, customer satisfaction, market research, new product design, performance, risk management, policy updates, data reporting and content management.
Product Management responsibilities:
- Product Strategy Development: Crafting and refining the strategic direction for Comfin’s factoring propositions to ensure alignment with overall strategy, business goals and market needs.
- Product Lifecycle Management: Overseeing the entire lifecycle of Comfin banking products from conception through development, launch, and eventual retirement.
- Product Governance: Ensuring compliance with both internal and external policies and regulations throughout the product lifecycle.
- Marketing and Promotion: Collaborating with marketing teams to develop effective strategies for promoting banking products to the target audience.
- Customer Satisfaction: Monitoring and enhancing customer satisfaction through regular feedback and tailored product improvements.
- Performance and Risk Management: Regularly assessing product performance against set metrics and managing associated risks.
- Data Reporting and Analysis: Generating detailed reports on product performance, customer feedback, and market trends to guide decision-making including reporting on the guided proposition.
What will you do?
As CJE Product Management you are responsible for optimizing the product portfolio and the development of cross border product propositions that can be used in multiple ING countries (focus on Netherlands and Belgium), keeping Com Fin relevant to our customers in a highly competitive environment. That means translating market developments (informed by the sales organization and external input), ING policies and regulatory requirements (e.g., EBA LOM) into requirements for product development and enhancements of existing products and provide a vision on how Com Fin can market these products.
As CJE product management:
- You focus on product management and apply your experience to target audiences in the fast-changing context of Commercial Finance.
- You have a strong vision on developing and improving products, which we can use to attract new customers.
- You take a global view on the industry developments affecting your product and advocate the strategic direction for your product internally and externally.
- You will be responsible for product strategy, the product roadmap, and the entire product life cycle.
- You will be responsible for creating & tracking business cases.
- You will be responsible for market, competition & customer research.
- You will be responsible for monitoring regulatory requirements related to the Com Fin products.
- You will be responsible for product risk management (i.e., PAP/PARP, product review, issue management, etc.) and you will also collaborate with the Com Fin SBO.
- You work with Sales, Risk, Compliance and Legal stakeholders, to make sure our products and services comply with regulations and policies.
We are looking for:
- A product manager who combines client focus with commercial power.
- A colleague with the ability and drive to take ownership and contribute to the (product) strategy implementation.
- A colleague with analytical skills who takes decisions based on data and facts.
- A colleague with strong resilience: ability to simplify complexity.
- A pro-active, creative and an out-of-the box thinker.
- An open and transparent communicator.
- An energetic, motivating person who can work as part of a team but also independently.
- A colleague who displays all aspects of ING’s Orange behavior.
About you
You have:
- Master’s or bachelor’s degree.
- A minimum of 3 - 8 years of working experience.
- Solid knowledge Lending/Commercial Finance product(s).
- Experience in (commercial) product management and/or marketing and/or customer experience (incl. market scanning, end to end delivery, risk management, communication).
- Strong analytical skills and data driven approach.
- Excellent written and verbal Dutch and English communication skills.
Rewards and benefits
We want to make sure that it’s possible for you to strike the right balance between your career and your private life. You can find out more about our employment conditions at https://www.ing.jobs/netherlands/Why-ING/benefits.htm
The benefits of working with us at ING include:
- A salary tailored to your qualities and experience
- 24-27 vacation days depending on contract
- Pension scheme
- 13th month salary
- Individual Savings Contribution (BIS), 3.5% of your gross annual salary
- 8% Holiday payment
- Hybrid working to blend home working for focus and office working for collaboration and co-creation
- Personal growth and challenging work with endless possibilities
- An informal working environment with innovative colleagues
We regret to inform you that this job opportunity is no longer available
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