Specialist Pricing Expert Specialist Pricing Expert …

ING
à Bruxelles, Bruxelles-Capitale, Belgique
CDI, Plein-temps
Soyez parmi les premiers à postuler
Competitive
ING
à Bruxelles, Bruxelles-Capitale, Belgique
CDI, Plein-temps
Soyez parmi les premiers à postuler
Competitive
Specialist Pricing Expert
  1. ORGANISATION
    Answers to an Expert Lead who reports to the Head ofCenter of Expertise

  2. AIM
    As a Pricing Expert, you are responsible for the marginon credit and savings products.
    Depending on your role within the team, you focus on aspecific product category (e.g. mortgages and consumer loans) or you handle thedevelopment and availability of the pricing tools that the Front & PricingDesk use to fix the prices of products and manage exceptions.
    In all cases, you work closely with the bank's otherdevelopers of tools, Product Pricing Experts, all segments and IT department.
  3. Responsibilities
  • Margin management:

    1. understands, in depth, all products and all procedures(front to back)
    2. understands the different risks for each product (riskassociated with interest rate, liquidity risk, etc.) and optimises the cost offinancing the reduction of these risks
    3. understands the different factors contributing to thecustomer's rate (cost, customer, competition, channel, etc.) coordinates thetranslation of these factors into pricing models or policies, launching them onthe market to test and validate them

  • Stakeholder management:

    1. makes the connection between sales activities and marketrisk management
    2. understands the information relating to sales activitiesand competitive dynamics
    3. understands the models for covering market riskmanagement and continually seeking improvement
    4. monitors and interprets performance
  • Impact:

    1. is aware of the impact of loan products on our liquidity,our results and the constraints of the balance sheet
    2. seeks to optimise the balance sheet and the profit andloss account within the limits imposed by law
    3. is responsible for expressing the impact of new projects,changes in cover methods, pricing or legislation on income related to loanproducts
  • Projects:

    1. participates in projects relating to margins and pricepolicies, including in the context of Unite
  • For tools under the responsibilities of the PricingExpert:

    1. lists the requirements in collaboration with thestakeholders and participates in prioritisation of requirements in a road map
    2. designs, develops and tests the pricing tools (used bythe Front and Pricing Desk Officers)
    3. updates the tools and is responsible for user support(guaranteeing availability)
    4. ensures that all procedures associated with pricing arein line with the pricing rules and tools


  1. CRITERIA
    1. Areas of responsibility
      1. Influence
        Is responsible for:
  • Successful margin management
  • Stakeholder management
  • Participation in projects
  • Design and development of pricing tools
      1. Consequences
  • possible major financial losses
  • internal and/or external customer dissatisfaction
  • reputation risk
    The consequences are visible in the shortand medium term.

    1. Knowledge and complexity

  • Level ofknowledge: Master's or equivalent through experience.
  • Sevenyears' relevant experience
  • In-depthknowledge of analysis
  • In-depthknowledge of pricing and pricing tools
  • In-depthknowledge of pricing requests
  • Goodin-depth knowledge of the loan procedure and/or market risk management
  • Knowledgeof the organisation, services offered and activities of the variousdepartments.
  • In-depthknowledge of ordinary and special software.
  • Knowledgeof a foreign language and English
    1. Problem solving
      1. Problem solving

  • Assume responsibility for the mission and actions, whilstbeing able to rely on the support of more experienced colleagues.
  • Be able to influence your peers
  • Be able to take decisions on a tactical and operationallevel
  • Demonstrateteam spirit and contribute to shared objectives and specific elements to bedelivered
  • Be able to guide less experienced colleagues in complexanalyses
  • Focus on your learning, create and seize newopportunities to support your learning path
  • Beable to come up with ideas aimed at improvement, based on your learning andyour experience
  • Havean affinity with analysis and market trends relating to pricing
  • Havean excellent knowledge of reporting and scheduling tools
  • Befocused on results and on customers
      1. Autonomy
  • Act independently for completion of analysis, projectmanagement
  • Be involved in internal general guidelines on prices andthe general tactical/strategic framework
  • Call on the supervisor or more experienced colleagues inthe case of very complex analyses, for validation, or in the case of anyquestions or any doubt

    1. Communication and Dialogue
      1. Internal contact
  • Everyday contact with members of the CEO for coordinationand dialogue, or to support the analyses to be carried out
  • Weekly contact with the different stakeholders oncompletion of analyses and presentation of reports
  • Ad hoc contact with (senior) management in the context ofanalyses carried out, advice and reporting
      1. External contact
  • Contact with external stakeholders for dialogue





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