Internship: ESG Integration in Credit Risk for ING NL

Internship: ESG Integration in Credit Risk for Dutch Mortgages (ING NL)

Location: Amsterdam, Netherlands
Duration: 3–6 months
Start Date: October 2025
Department: CRO NL/ Integrated Risk

Roles and Responsibilities

Are you passionate about sustainability, data, and finance? ING Netherlands is looking for a motivated intern to support the integration of Environmental, Social, and Governance (ESG) factors into our credit risk framework for Dutch mortgage loans.

As part of this internship, you will work on a pioneering project that aims to enhance how we assess and manage credit risk by incorporating ESG-related data—especially focusing on environmental transition risks and their impact on customer financial health.

What You’ll Be Working On

• Data Research & Analysis
  Investigate and analyze ESG-related data, particularly from the CFP database (~50 fields on energy labels and property characteristics in the Netherlands).

• Data Quality Assessment
  Evaluate the relevance and quality of ESG data for credit risk purposes.

• Model Development Support
  Help develop and test data-driven logics to quantify the impact of transition risks (e.g., energy inefficiency) on financial health and creditworthiness.

• Scenario Testing & Evaluation
  Contribute to Champion/Challenger model comparisons and back-testing using historical mortgage data (3–4 years).

• Social Risk Exploration
  Support ING’s ambition to monitor and improve customer financial health through ESG-aligned risk segmentation.

How to Succeed
We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

• Currently pursuing or recently completed a degree in Economics, Finance, Data Science, Sustainability, or a related field

• Strong interest in ESG, credit risk, and data analytics

• Experience with data analysis tools (e.g., Python, R, SQL, Excel) is a plus

• Analytical mindset and attention to detail

• Proactive, curious, and eager to learn

Why Join Us?

• Work on a high-impact, future-focused project

• Gain hands-on experience in ESG integration and credit risk modeling

• Collaborate with experts in risk, sustainability, and data science

• Be part of ING’s mission to empower customers and support a sustainable future

Rewards and Benefits

This is a great opportunity to train with highly skilled people who are experts in their field. You’ll do a lot and learn a lot – not only about your specialist area and the bank, but also about yourself and whether this type of environment is right for you.

You’ll also benefit from:

• Internship allowance of 700 EUR based on a 36 hours work week

• Your own work laptop

• 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

During the duration of your internship at ING, it is mandatory to be enrolled at a Dutch university (or EU-university for EUpassport holders).
 

Questions?
Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.

Please contact Hendrik Pothof (hendrik.pothof@ing.com) in case of additional questions.

About Our Internships

Every year, more than 350 students join our internship program. While there are no guarantees about your future, many of our former interns move into a permanent role or onto our International Talent Programme (traineeship).

Whatever happens, an internship at ING is the ideal opportunity to meet a wide variety of people, to build up your own network, and to learn about many different aspects of banking – put simply, it’s a great start to your career