Descripción de la oferta
At ING we are looking for talented and enthusiastic Pricing Expert to join our HomeTribe in a squad focused on the Mortgage of the future。Your role and work environment:We are looking for a talented and enthusiastic Pricing Expert to join our Mortgage Pricing squad in the Acquisition Team of the Mortgage Tribe that can help us to enhance and monitor the pricing framework of the mortage product.The expert for Mortgage Pricing is a key part of the process of defining and continuously improving the end‑to‑end mortgage pricing strategy. This role ensures that pricing strategies are competitive, profitable, compliant, and aligned with the bank’s commercial objectives, risk appetite, and customer value proposition.The expert acts as the key link between business, risk, finance, data, and technology teams, translating pricing strategy into scalable, data‑driven solutions.You will be capable of translating business needs into delivery requirements by working in the squads through the whole product lifecycle and acting as a bridge between business & IT.You must be able to move from a "concept/idea" to a functional definition and customer journey, providing an efficient cut through and real definition of the MVP to deliver value in a sustained way.You must be able to understand what ING architecture, databases, main building blocks, layers (front, middle and back) and technologies are required for each "concept/idea".You will be responsible for the definitions of ready and done, and acceptance criteria for user stories in coordination with the IT team.You are the "Business Guardian" of your product/service working with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulation and policies.You have an end‑to‑end responsibility for providing customers the most reliable and innovative way of managing their relationship with us, focusing on delivering the products and services they need, boosting sales while leveraging on the brand and bank customer obsession.You will work closely with customers and key stakeholders to achieve the initiatives that respond to the vision, strategy and road map of ING Spain.You are passionate about improving the customer’s experience in the different channels and have a broad knowledge on products and services strategy.You have a data mindset, you observe what happens around you and what we are building and challenge or adapt if we are not going in the right direction.You work in Agile teams, focusing always in delivering value to our customers in a fast way while continuously improving the way we work.You are a team player. You are actively involved in the maintenance, development and realization of (new) services & functionalities. As an expert, you will deliver all the necessary business know‑how and skills within the Squads to realize the shared Tribe purpose.Your key responsibilities:Product Ownership & StrategyBe part of the mortgage pricing product vision and roadmap, aligned with commercial strategy, portfolio objectives, and market dynamics.Help to define pricing principles across new production, including margins, discounts, campaigns, and risk‑based pricing.Balance growth, profitability, and risk in all pricing decisions.Pricing & AnalyticsBe part of the definition of pricing models, rules, and parameters (e.g., amount, type of client, LTV, LTI, customer segments).Work closely with Analytics and Finance to assessMargin impactElasticity and competitiveness PortfolioP&L performance.Monitor OKRs and KPIs such as volume, profitability, and type of segment.Stakeholder ManagementAct as the single point of accountability for pricing across: Commercial teams, Risk & Credit, Finance, Legal & Compliance and Technology / DataFacilitate alignment and decision‑making in cross-functional forums.Delivery & ExecutionTranslate pricing strategy into clear product requirements and user stories.Prioritize the backlog to maximize business value.Ensure correct implementation of pricing logic in origination, simulation, and servicing systems.Validate pricing changes through testing, monitoring, and post‑implementation reviews.Regulatory & GovernanceEnsure pricing complies with:Consumer protection and transparency requirementsInternal risk and governance policiesSupervisory expectations (e.g. fair pricing, conduct risk)Support internal and external audits when required.Continuous ImprovementIdentify opportunities to automate, simplify, and personalize pricing.Leverage data and experimentation (A/B testing, pilots) to optimize outcomes.Track market trends and competitor pricing to inform decisions.What do we offer?The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.Check out what is waiting for you!Be flexible my friend.Our model is all about flexibility and accountability. Keeping both our customers and our colleagues’ needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self.Do your thing.Restaurant card.So that thinking about what to have for lunch doesn’t take up your time or your cravings.Our house will be your home.In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!Health insurance.For you and all your family (spouse/partner and children).Life insurance.We help you protect what matters most to you.Flexible remuneration.In addition, you will enjoy our flexible remuneration model, through a more tax‑advantaged way, you will be able to access other services such as nursery, transport card, training aids…Free company shuttle.It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.Banking benefits.Special loans
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