Non Financial Risk

Non Financial Risk & Control Sr. Analyst - SCF HQ

Country: Spain

**WHAT YOU WILL BE DOING**

**Santander Consumer Finance HQ is looking for a Senior Risk Analyst based in our Headquarters in Boadilla del Monte (Madrid).**

**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 Senior Risk Analyst, you will promote the implementation of a common principle-based and forward-looking non-financial risk and internal control framework across SCF HQ, Branches, Subsidiaries and JVs, ensuring consistent oversight and reporting.

We need someone like you to help us in different fronts:

- Ensure that risk assessment, oversight and control processes are effectively governed and managed across the 1st line of defense in line with the responsibilities of the 2nd line of defense. This includes the completion of the Risk Control Self-Assessment and Internal Control exercises (and its mitigation measures) for SCF HQ, Subsidiaries and JVs, providing oversight and challenge of the results.
- Provide appropriate oversight and continuous evaluation over the 1st line of defense KPIs and KRIs in line with agreed risk appetites.
- Analyze the internal database and the possible deviation between losses and budget, including the identification and investigation of fraud trends and advisory in the implementation of preventive measures against fraud.
- Ensure the execution of the scenarios analysis yearly exercise, being responsible of the workshops´ organization with the 1st line of defense.
- Call the attention of the Sr. Management, when necessary, over those situations that under his/her judgment are worrisome from non-financial risks control and remediation standpoint, or that may mean a violation of the defined limits for the entity´s risk appetite or its risk strategy.
- Ensure the correct documentation of the internal regulation across HQ, Branches, Subsidiaries and JVs, keeping the normative repository updated. In this sense, automatization and simplification of the already established normative workflows will be required.
- Support the identification, control and monitoring of emerging risks or other situations that call for specific analysis with a focus on vendors risk management, transformation risk, business continuity management, etc.
- Promote a strong risk culture in the full organization.

EXPERIENCE

Between 5/7 years of experience accredited. Proven experience in risks management, governance and control frameworks and recognized expertise in developing risk & compliance frameworks in innovative and alternative ways while compliant with regulation.

EDUCATION

Relevant academic qualifications in STEAM, Law or Business Administration. Recognized risk professional certification desirable.

SKILLS & KNOWLEDGE
- Programming skills (VB, SQL, Phyton).
- Data management
- Accounting management
- MS Office / Power BI advanced knowledge.
- Strong communication skills. Ability to build collaborative relationships across the different areas and strong interpersonal experience to achieve deliverables and practical business impact.
- Hands-on approach, results oriented, strong intellectual curiosity, out-of-the box thinker, and attention to detail.
- Desirable knowledge on Retail and Consumer business and products, operations and payments, etc.
- Acceptable understanding of the regulatory environment

OTHER INFORMATION

Spanish and English languages are essential. Other will be valuable.

Occasional traveling may be required.