Cards & Loans Junior Analyst - Product & Markets

Cards & Loans Junior Analyst - Product & Markets (Openbank)(1-year apprentice contract)

Country: Spain

**WHAT YOU WILL BE DOING**

**Cards & Loans Junior Analyst
- Product & Markets (Openbank)**

We are the 100% digital bank of the Santander Group and we are currently undergoing a technological transformation and international expansion process. In 2017, we kicked off our relaunch plans and have been continuously expanding and growing ever since, especially when it comes to technology. We work in a start-up format, using agile methodologies to take our customers' experience to the next level. In 2019, we launched in the Netherlands, Germany and Portugal, recently followed by Argentina, with other countries currently in the pipeline.

Our culture sets us apart from the rest; social and diversity clubs are part of our essence and day-to-day culture.

We are a flexible and fast adapting team currently working remotely most of the time using all kinds of communication tools - we’ve barely noticed the change

**Mission and responsibilities**:
As a Cards & Loans junior Analyst, you will increase sales, especially credit, and manage cards and loans portfolio (use, installments, etc.)

The main tasks of this position will be the following:
1. INCREASE CARD/LOANS SALES:

- Definition of annual and monthly card/loans sales goals per card type and customer segment, reviewing business cases and aligning with rest of the areas, e.g. finance, commercial, etc.
- Periodic monitoring of sales results, with focus on input KPIs, e.g. funnel, conversion rates, etc., differentiating by channel, both internal (app, web and contact center) and external (SEM, SEO, aggregators, display, etc.)
- Identification of business opportunities: campaigns, e.g. targeted to niche propensity segments; change in product characteristics, eg. price or new products that cover unresolved customer needs.

2. MANAGE PORTFOLIO:

- Definition of annual and monthly card/Loan portfolio metrics, e.g. use (number of purchases and €/purchase), euro vs non-euro currency, installments, etc and customer churn.
- Periodic monitoring of card portfolio results, with focus on input KPIs in all card products, building detailed data tree to identify business opportunities
- Monitor cards’ loan's competitors (financial and non-financial players), voice of the customers (via app rating, social network comments and contact center feedback) and post-mortem campaigns’ analysis, e.g. customer behavior monitoring after end-campaigns
- Definition of commercial strategy by channels with proposal and launch of campaigns and actions, e.g. with customer propensity models to different usage (euro/non-euro, installment, potential churn, etc.), coordinating rest of areas, e.g. legal, compliance, finance, on-line marketing, contact center, etc.

**To be successful in the role you must have**
- +0-1 years of experience in a similar role.
- University or Master’s Degree in business administration or engineering. Other degrees are acceptable (MBAs welcome but not a pre-requisite).
- Analytical capabilities.
- Good knowledge of Excel and Access for reporting and data management.

**What do we offer?**
- Joining a dynamic and agile company undergoing international expansion.
- Working in start-up mode with the support of the Santander Group.
- Competitive remuneration and attractive benefits package.
- Possibility of growth within the company and the Group.
- Collaborating on international projects in different countries.
- Excellent work environment, social clubs and frequent events (virtual at present).

Would you like to grow with us? Join our team
- Openbank is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status. _
- We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify and build. _