Portfolio Management Senior Analyst

Portfolio Management Senior Analyst - SCF HQ

Boadilla del Monte, Spain

**WHAT YOU WILL BE DOING**

**HQ Santander Consumer Finance is looking for a PORTFOLIO MANAGEMENT SR. ANALYST, based in our Madrid, Spain office.**

**WHY YOU SHOULD CONSIDER THIS OPPORTUNITY**

**Santander Consumer Finance **focuses on business development related to consumer finance products, sales channels and commercial agreements with dealers, vehicle manufacturers or retail distribution establishments, as well as commercial functions associated with direct sales (branches, call centers or digital channels) and indirect sales (through third parties) of consumer finance products.

Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper.

**WHAT YOU WILL BE DOING**

As a **Portfolio Management Sr. Analyst, **your responsibilities will be:

- Retail Risk management enhancement of Local Units in Consumer Lending products.
- Provide support Credit Risk management transformation in all aspects around Consumer Lending, admission (new Data and Decision Models and Channels), customer management, and portfolio strategy growth.
- Participation in Global Projects with particular focus on Consumer Lending: decision model developments, innovation channels, new products, global agreements, portfolio sales, and acquisition.
- Play a relevant role in coordinating risk deliveries for Pan-European initiatives, focusing on Unsecured Financing products, policies and sharing best practices.
- Acting as a Consumer Lending Risk counterpart in HQ, coordinating with Commercial HQ / CRM/Finance, etc., when apply.
- Prepare Retail Risk Forum Material including relevant issues for escalation with particular focus on Unsecured Financing products.
- Monitoring the Local execution of the credit risk management according to corporate criteria, operational models, and risk management.
- Perform Unit analysis and management integration with budgets/targets.
- Identify strengths and weaknesses of units' capacities in his scope for retail portfolios management.
- Coordinate Corporate Policies implementation with particular focus on Unsecured Financing products
- Increase predictability and transparency of the Credit Risk Portfolios

EXPERIENCE
- 4-5 years of experience in Retail Risk management, with strong experience in Consumer Finance with focusing on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving).
- Proven experience in Scorecards, Decision Models/Strategies, and decision processes for Consumer Financing products through different channels: Branches, Brokers, digital lending, On-line Sales platforms, Portals, Banks’ cooperations, etc.)

EDUCATION
- Bachelor of Economics / Statistics / Mathematics / Sciences / Engineering required.
- Master, Postgraduate is desired.

SKILLS & KNOWLEDGE
- Deep knowledge and understanding of risks metrics regarding Retail products (including but not limited to: Data sources, Scorecards, Admission Process, Portfolio management, Provision, Budget, etc.) with particular focus on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving)
- Good capacity for planning and managing priorities.
- Good management skills to deal with HQ team and Local counterparties
- Ability to build good executive presentations
- Accounting fundamentals
- Advanced level of Office Package required.
- Native/Advanced level of English and Spanish level is required. Advanced French level is desired.

OTHER INFORMATION
- Availability to travel is desired.