Portfolio Retail Credit Risk Sr. Analyst

Portfolio Retail Credit Risk Sr. Analyst<p></p><p></p>Country: Spain<p></p><p>As a <b>Portfolio Retail Credit Risk Sr. Analyst</b>, your responsibilities will be:</p><ul><li>Retail Risk management enhancement of Local Units in Consumer Lending products.</li><li>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.</li><li>Participation in Global Projects with particular focus on Consumer Lending: decision model developments, innovation channels, new products, global agreements, portfolio sales, and acquisition.</li><li>Acting as a Consumer Lending Risk counterpart in HQ, coordinating with Commercial HQ / CRM / Finance, etc., when apply.</li><li>Prepare Retail Risk Forum Material including relevant issues for escalation with particular focus on Unsecured Financing products.</li><li>Monitoring the Local execution of the credit risk management according to corporate criteria, operational models, and risk management.</li><li>Perform Unit analysis and management integration with budgets/targets.</li><li>Identify strengths and weaknesses of units' capacities in his scope for retail portfolios management.</li><li>Coordinate Corporate Policies implementation with particular focus on Unsecured Financing products </li><li>Increase predictability and transparency of the Credit Risk Portfolios</li></ul><p></p><p><u>EXPERIENCE</u></p><ul><li>+4 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).</li><li>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.)</li><li>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)</li><li>Good capacity for planning and managing priorities.</li><li>Good management skills to deal with HQ team and Local counterparties</li><li>Ability to build good executive presentations</li><li>Accounting fundamentals</li></ul><p></p><p><u>EDUCATION</u></p><ul><li>Bachelor of Economics / Statistics / Mathematics / Sciences / Engineering required.</li><li>Master, Postgraduate is desired.</li></ul><p></p><p><u>SKILLS &amp; KNOWLEDGE</u></p><ul><li>Advanced level of Office Package required.</li><li>Native/Advanced level of English and Spanish level is required.</li></ul><p><u>OTHER INFORMATION</u></p><ul><li>Availability to travel is desired.</li></ul><p></p><p><i>If you want to know more about us, follow us on </i><a href="https://es.linkedin.com/company/banco-santander" rel="noopener noreferrer" target="_blank"><i><span>https://es.linkedin.com/company/banco-santander</span></i></a></p>