Digital Business Expert

At ING we are looking for a Digital Business Expert Your role and work environment: You have an end-to-end responsibility for providing customers and future friends the most reliable and innovative way of managing their money and payments, focusing on the quality of the self-servicing and leveraging on the brand and bank customer obsession.
Together with the PO you will define the initiatives allowing to reach the goals of your Tribe.
You will work closely with customers and key stakeholders to achieve the initiatives that respond to the vision, strategy and road map of the Payments and Daily Banking Tribe.
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 on delivering value to our customers in a fast way while continuously improving the way we work.
You are also an active member of a Chapter supporting in improving the way of working and where you work on your craftsmanship.
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.
As a Digital Business Expert you will report to the Payments & Daily Banking Business Lead.
Knowledge in Psd2 regulation and payments (mainly instant payments and transfers) is a plus.
Your key responsibilities: You are representing the "voice of the customer", have a strong vision on how to attract consumers and focus on continuously improving customer journeys we are offering.
You are responsible to develop, launch and maintain an attractive product & service value proposition on the market providing the highest customer satisfaction.
You lead to provide a differentiating experience for ING's customers at optimal value and profitability for ING.
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 lead to increase efficiency, reduce complexity, bringing the best experience in the moments of truth and pursuing innovative solutions.
Having analytical skills, you comprehend, define, select and analyze data to gather insights that enhance the decision-making process. You are a pro-active thinker.
You translate business needs into requirements for the implementation.
You are an expert of your product & service prioritizing on value delivered for our customers in short cycles, defining a first MVP and improving with the feedback gathered.
You are able to lead and/or support complex programs, setting clear roadmaps and solving impediments.
You are creative and an out-of-the box thinker who likes to work in a multidisciplinary team in an agile environment where stakeholders and developers collaborate closely on a daily basis.
You contribute to develop and maintain a customer engagement strategy focused on improving the conversion funnels.
You contribute to create and constantly optimize the end-to-end processes supported by an operations management mindset.
You contribute to build a commercial plan, upselling and cross-selling strategy.
You contribute to support the adoption of cyber security practices for effectively protecting our customers against risks in the digital world.
What are we looking for? Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don't hesitate to apply!
You actively support and work with colleagues from your and other Tribes to ensure all solutions and processes are compliant and fit-for-purpose.
You are able to simplify solutions and processes and tell the story clearly to various international stakeholders.
You apply your experience in delivery in the fast-changing context of transformation to achieve results.
You ensure compliance with ING's policies and standards.
You stimulate cross-border interaction and alignment between people, Tribes, Squads, Chapters.
Master's or bachelor's degree with a minimum of 5 years of experience.
Driven and customer focused, loving to collaborate with different people.
Experience in digital transformation and in the design and improvement of digital customer journeys.
Strong analytical skills.
Problem-solving mindset, with ability to challenge the status quo and identify improvement initiatives.
Proven program management, planning & organizational skills.
Clear communication skills (written and oral).
Passionate about innovation and new market trends.
Fluent oral and written English skills.
Team player.
Self-organized and able to simplify essential elements to accomplish the goals.
Negotiation and stakeholder management.
Making things happen thanks to your 'can do' attitude.
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.
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 with more beneficial conditions.
Special mortgage conditions after 6 months working at the bank.
And you can benefit from our pension plan after 1 month with us!
More vitality and more belonging 360º care of the employee (physical, mental, financial, and social).
Health services in the company (physiotherapy, psychological and medical services).
Orange sports (football, basket, running, golf, gympass …).
Employee Networks: Rainbow Lions (LGBTQI+) & Leonas.
Get to know Us We are a team of more than 1600 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.
A fully online bank where technology, innovation, simplicity, and transparency are the main ingredients, and the first one to work with agile methodologies.
And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries. We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in society. And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.
Making things happen, helping others be successful, always being one step ahead—that's our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working… we are looking forward to meeting you!

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