Portfolio Credit Risk Management

Portfolio Credit Risk Management - SCF HQ

Country: Spain

**Santander Consumer Finance Head Quarter is looking for a Portfolio Credit Risk Management for the Automotive Sector, based in our Boadilla del Monte (Madrid) 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. We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

**WHAT YOU WILL BE DOING**

As a **Portfolio Credit Risk Management Specialist for the Automotive Sector **, you will join our dynamic team in the heart of Consumer Finance within the automotive sector.

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

- Assist multiple European and Non-European countries to enhance credit risk management activities. Collaborate with diverse central and country teams ensuring an optimal execution of local risk strategies with the goal of maximizing credit portfolios quality and profitability.
- Collaborate with business development functions to assess risk appetite for potential commercial agreements and corporate deals (new JVs, portfolio acquisitions, M&A operations, etc.) providing valuable insights to shape risk strategies aligned with business objectives.
- Support the development of disruptive risk strategies to address emerging market needs, contribute ideas and insights to stay ahead of market trends.
- Provide active support to local countries in shaping and executing retail risk strategies for automotive credit portfolios identifying deviations and proposing proactive solutions to maintain defined targets aligned with the risk appetite of the company.
- Ensuring the local execution of credit risk management practices according to corporate criteria and operational model, identifying strengths and weaknesses of local units’ capacities. Coordinate Corporate Policies implementation with particular focus on Auto Financing products.

EXPERIENCE
- Ideally, 5-7 years of experience in risk functions connected to automotive sector, however also well balanced and ambitious profiles (e.g. consulting) are welcome to apply.
- Proven experience in at least one of these fields: Risk Portfolio Oversight / Car Financing and risk management / Credit risk decision strategies / Risk Based Pricing / Profitability Optimization in Automotive Industries.
- Experience in dealing with transversal teams’ functions (Business / IT / Operations / Etc.) and managing cross-country projects.

EDUCATION
- MSc in Business / Economics / Engineering / Statistics / Mathematics is required.
- Additional education (e.g. MBA, relevant specific masters) is preferred.

SKILLS & KNOWLEDGE
- Project Management skills: being able to support core central projects with capabilities to react effectively to potential goals / task changes.
- Strategic mindset and ability to catch the bigger picture, excellent analytical and problem-solving skills.
- Great attitude and capability to work in an international environment, interacting with different stakeholders and cultures.
- Advanced level of Office Package required; complementary skills in handling Data Analytics tools (e.g. Power BI / QlikView / etc.) is preferred
- Finance & Accounting fundamentals.
- Advanced level of English is required. Additional Spanish knowledge is appreciated.