Sa Interview - Generalist
Anonymous interview candidate in Frankfurt
Interviewed:
May
2025
Date Submitted:
Jun 01, 2026
Outcome
Declined Offer
Interview Source
Employee Referral
Length of Process
3-4 months
Application
1 on 1 Interview
Interview
My process with ING began via a direct application through their careers portal after seeing a posting for a Senior Risk Analyst role. The initial communication was a prompt automated confirmation email, followed by a personal note from a recruiter within 5 days. They were highly organized—providing a detailed timeline, interview guides, and even a preparation packet on ING's Orange Code values and risk management framework. We arranged a 45-minute HR screening call, then a take-home case study on financial risk modeling (allowed 5 days).
There were four structured interviews over three weeks: (1) Technical interview with two risk managers focusing on regulatory knowledge (Basel, IFRS9), Excel modeling, and scenario analysis; (2) Behavioral interview with the hiring director using STAR method; (3) Case study presentation round where I defended my take-home work; (4) Final panel with cross-team stakeholders including compliance and IT. All were via Microsoft Teams except an optional office visit.
There were four structured interviews over three weeks: (1) Technical interview with two risk managers focusing on regulatory knowledge (Basel, IFRS9), Excel modeling, and scenario analysis; (2) Behavioral interview with the hiring director using STAR method; (3) Case study presentation round where I defended my take-home work; (4) Final panel with cross-team stakeholders including compliance and IT. All were via Microsoft Teams except an optional office visit.
Interview Questions
Question: “Given the recent updates to the Basel IV framework and ING’s exposure in the Dutch mortgage portfolio, how would you model the impact of the output floor on our RWA calculations if residential real estate risk weights increase by 15% under stressed scenarios? Walk us through the key steps and potential mitigants.”
My Answer: I started by acknowledging the output floor’s 72.5% threshold. I outlined steps: (1) Segment the portfolio by PD/LGD buckets using ING’s internal models; (2) Recalculate RWAs pre- and post-floor using the formula RWA = K × 12.5 × EAD, incorporating the 15% stress uplift; (3) Run Monte Carlo simulations for correlation effects. For mitigants, I suggested increased use of IRB Advanced models, securitization, and dynamic capital buffers. I referenced ING’s latest Pillar 3 report for context. The panel nodded at the practical angle.
Category: Technical – Regulatory Capital & Stress Testing
My Answer: I started by acknowledging the output floor’s 72.5% threshold. I outlined steps: (1) Segment the portfolio by PD/LGD buckets using ING’s internal models; (2) Recalculate RWAs pre- and post-floor using the formula RWA = K × 12.5 × EAD, incorporating the 15% stress uplift; (3) Run Monte Carlo simulations for correlation effects. For mitigants, I suggested increased use of IRB Advanced models, securitization, and dynamic capital buffers. I referenced ING’s latest Pillar 3 report for context. The panel nodded at the practical angle.
Category: Technical – Regulatory Capital & Stress Testing
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