PDescripción de puesto /ppstrongAt ING we are looking for talented and enthusiastic Pricing Expert to join our HomeTribe in a squad focused on the Mortgage of the future. /strong /ppbr/ppstrongYour role and work environment: /strong /ppbr/ppWe are looking for a talented and enthusiastic strongPricing Expert /strong to join our Mortgage Pricing squad in the strongAcquisition /strongTeam strongof the Mortgage Tribe /strongthat can help us to enhance and monitor the pricing framework of the mortage product. /ppThe 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. /ppThe expert acts as the key link between business, risk, finance, data, and technology teams, translating pricing strategy into scalable, data‑driven solutions. /ppYou will be capable of translating strongbusiness needs into delivery requirements /strong by working in the squads through the whole product lifecycle and acting as a bridge between business IT. /ppbr/ppYou must be able to strongmove from a "concept/idea" to a functional definition /strong and customer journey, providing an efficient cut through and real definition of the MVP to deliver value in a sustained way. /ppbr/ppYou 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". /ppbr/ppYou will be responsible for the definitions of ready and done, and acceptance criteria for user stories in coordination with the IT team. /ppbr/ppYou are the strong“Business Guardian” /strong of your product/service working with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulation and policies. /ppbr/ppYou have an strongend-to-end responsibility /strong 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. /ppbr/ppYou will strongwork closely with customers /strong and key stakeholders to achieve the initiatives that respond to the vision, strategy and road map of ING Spain. /ppbr/ppYou are strongpassionate /strongabout improving the customer’s experience in the different channels and have a broad knowledge on products and services strategy. /ppbr/ppYou have a strongdata mindset /strong, you observe what happens around you and what we are building and challenge or adapt if we are not going in the right direction. /ppbr/ppYou work in strongAgile teams /strong, focusing always in delivering value to our customers in a fast way while continuously improving the way we work. /ppbr/ppYou are a strongteam player /strong. 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. /p pstrongYour key responsibilities: /strong /p pstrongProduct Ownership Strategy /strong /pulliBe part of the strongmortgage pricing product vision and roadmap /strong, aligned with commercial strategy, portfolio objectives, and market dynamics. /liliHelp to define pricing principles across strongnew production /strong, including margins, discounts, campaigns, and risk‑based pricing. /liliBalance stronggrowth, profitability, and risk /strong in all pricing decisions. /li /ulpstrongPricing Analytics /strong /pulliBe part of the definition of strongpricing models /strong, rules, and parameters (e.g., amount, tipe of client, LTV, LTI, customer segments). /liliWork closely with Analytics and Finance to assess /liliMargin impact /liliElasticity and competitiveness Portfolio /liliPL performance. /liliMonitor OKRs and KPIs such as volume, profitability, and type of segment. /li /ulpstrongStakeholder Management /strong /pulliAct as the strongsingle point of accountability /strong for pricing across: Commercial teams, Risk Credit, Finance, Legal Compliance and Technology / Data /liliFacilitate alignment and decision‑making in cross‑functional forums. /li /ulpstrongDelivery Execution /strong /pulliTranslate pricing strategy into strongclear product requirements and user stories /strong. /liliPrioritize the backlog to maximize business value. /liliEnsure correct implementation of pricing logic in origination, simulation, and servicing systems. /liliValidate pricing changes through testing, monitoring, and post‑implementation reviews. /li /ulpstrongRegulatory Governance /strong /pulliEnsure pricing complies with: /liliConsumer protection and transparency requirements /liliInternal risk and governance policies /liliSupervisory expectations (e.g. fair pricing, conduct risk) /liliSupport internal and external audits when required. /li /ulpstrongContinuous Improvement /strong /pulliIdentify opportunities to automate, simplify, and personalize pricing. /liliLeverage data and experimentation (A/B testing, pilots) to optimize outcomes. /liliTrack market trends and competitor pricing to inform decisions. /li /ulpbr/ppbr/ppstrongWhat do we offer? /strong /p pThe 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. /ppbr/ppCheck out what is waiting for you! /ppbr/ppstrongBe flexible my friend. /strong /ppOur 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. /p pstrongRestaurant card. /strong /ppSo that thinking about what to have for lunch doesn’t take up your time or your cravings. /ppbr/ppstrongOur house will be your home. /strong /ppIn our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more! /ppbr/ppstrongHealth insurance. /strong /ppFor you and all your family (spouse/partner and children). /ppbr/ppstrongLife insurance. /strong /ppWe help you protect what matters most to you. /ppbr/ppstrongFlexible remuneration. /strong /ppIn 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… /ppbr/ppstrongFree company shuttle. /strong /ppIt 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. /ppbr/ppstrongBanking benefits. /strong /ppSpecial loans with more beneficial conditions. /ppSpecial mortgage conditions after 6 months working at the bank. /ppAnd you can benefit from our pension plan after 1 month with us! /ppbr/ppstrongMore vitality and more belonging /strong /pp360º care of the employee (physical, mental, social connection purpose). /ppPhysiotherapy service on site. /ppClinics with professional, world-class athletes. /ppGympass service. /ppEmployee Networks: Rainbow Lions (LGBTQI+), Leonas RIÑG. /ppInternational Remote work program. /p pstrongGet to know Us /strong /ppbr/ppWe are a team of more than 1800 people sharing one idea: strongdoing our bit in helping our clients create a better future for themselves /strong, by providing them with the tools they need to get where they want to go. /ppbr/ppA strongfully online bank /strong where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with strongagile methodologies /strong. /ppbr/ppAnd although we are based in Spain, we strongare lucky to work in an international bank with presence in more than 40 countries. /strong /ppbr/ppWe are proud to have a diverse team, and we are committed to continue developing a culture of strongDiversity, Inclusion and Belonging /strongto foster a culture of strongcollaboration and innovation /strong that represents all collectives in the society. /ppbr/ppAnd even though we look orange on the outside, strongwe are green on the inside /strong. Our ambition in Sustainability is strongEmpowering (y)our Sustainability journey /strong. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey. /ppbr/ppstrongMaking things happen, helping others be successful, always being one step ahead—that’s our DNA. /strong 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! /ppbr/ppemAt ING, you belong just as you are. We hire and support people for their talent and potential — and we know that when you can be yourself, you do your best work. /em /ppbr/ppstrongJob Application Safety Reminder /strong /ppbr/ppWe’re seeing an increase in fraudulent job offers. To protect yourself, please follow these key guidelines when applying for roles at ING: /pullistrongApply only via official ING platforms: /strong ING uses strongWorkday /strong and strongLinkedIn /strong as its internal recruitment system. Applications should be submitted strongonly via our official career site or via ING job postings on LinkedIn /strong. /lilistrongCheck the sender’s email carefully: /strong Legitimate communication will always come from strong@ing.com /strong and/or strong@myworkday.com /strong. /lilistrongNo payments or banking details will ever be requested: /strong If someone asks for this information, it’s a scam. /li /ul