Commercial Product Manager Accounts

Transaction Services (TS) is one of ING Wholesale Banking's (WB) main business lines. We offer a suite of WB products and services to corporate and institutional clients. We are a significant contributor to the growth and profitability of the WB. Our strategy is aimed at ensuring that we continue to support sustained growth for the WB by delivering competitive and relevant TS products.

The purpose of the Product Management PCM is to unlock existing business potential and activate new client/market opportunities. The focus is on executing a strong commercial strategy aiming at stable and sustainable income flows. The Product Management PCM team makes a difference for our clients by creating and offering best in class and fit-for purpose products and services while continuously improving our existing proposition as well as developing new products for our client base.

As Commercial Product Manager Accounts within the TS PCM organization you will be part of the Product Area Accounts & Cash Management. With our Accounts proposition we aim to offer treasurers state of the art and future fit solutions that create visibility, control, and optimization in an automated way.

As a Commercial Product Manager:

• You will report to the Head of Product Management Accounts & Cash Management.

• You will develop the strategic vision and maintenance of the commercial viability of our Account propositions offered across the European Network.

• You represent the voice of the customer, have a strong vision on how to attract consumers and focus on continuously improving the product performance.

• You take a pan-European view on the industry developments affecting your product, advocate the strategic direction for your product internally and externally.

• You are part of the European network, stimulate cross-border collaboration and alignment with the parties that need to contribute to your specific business product area.

• You will align with TS Sales, Client Services and the Sector organization and support during client pitches.

Your key responsibilities

• You are a key player in determining the strategic direction of our Accounts offering within our European network, supporting the Head of Product management Accounts & Cash Management to set to right priorities based on facts and data.

• You will be responsible for the day-to-day product performance and P&L of our Account offering.

• You will be responsible for the development and maintenance of our PCM deal-price model, providing insight in PCM deal-profitability.

• You will be responsible for product strategy, proposition, roadmap, design, commercial execution, and life cycle.

• You will be responsible for creating & tracking business cases. Including identifying the data relevant for monitoring product performance, running business cases, Dynamic Plan and other relevant activities.

• You will be responsible for marketing, communication & customer satisfaction.

• You will contribute to TS’ sustainable performance, and you identify opportunities to better serve and delight our customers in daily collaboration with Sales, Client Services and the Sector organization.

• You will be responsible for monitoring and updating policies and governance related to your products and translating it into the product strategy and priorities.  

• You will be responsible for non-financial risk management (i.e., Product Approval Review Process, issues management, audits, key control testing etc.).

• You will be responsible for the risks related to your products and work with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulations and policies.

• You are responsible for aligning with Delivery Management (DM) organization and ensuring successful delivery of your product requirements.

• You define the business requirements and translate them to the DM Customer Journey Expert with the aim of developing and maintaining products and services. As a result, you also play a supporting role in the QBR process.

• You share responsibility with the DM organization in ensuring our license to operate by secure and flawless 24/7 operations.

We are looking for

• An entrepreneur that combines client focus with commercial and marketing power.

• Ability and drive to take ownership and steer the (product) strategy implementation with an eye on the long-term perspective and managing risk prudently.

• A colleague with analytical skills who takes decisions based on data and facts.

• Strong resilience: ability to navigate through ambiguity and 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.

Proven track record and technical skills

• Master's or bachelor's degree.

• Minimum 5 years working experience.

• Experience in commercial product management and/or marketing and/or client experience.

• Customer Market Analysis.

• Financial acumen.

• Stakeholder management skills in complex ecosystems.

• Business Analysis & Insight.

• Excellent written and verbal English communication skills.

• Credit Risk experience is a plus.

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious, keep learning and take on responsibility. In return, we back you to develop into an even better version of yourself.

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:

• 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

About us

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us. Apply today.