Credit Risk Analyst at Santander

Utrecht, Utrecht, Netherlands

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, FinanceIndustries

Requirements

Master’s or bachelor’s degree in Business, Finance, Mathematics, Econometrics or similar
At least 3 years of experience in retail credit risk, portfolio management or analytics
Strong analytical skills and hands-on experience with tools such as SAS, Python and Excel
Good knowledge of the English language, both verbally and in writing
A proactive and collaborative mindset, and excellent communication skills
Proactive, analytical, and well-organized team player who thrives in an international environment
Ability to communicate clearly, enjoy working with data and numbers, and always looking for ways to improve processes and outcomes

Responsibilities

Continuous analysis of the credit portfolio and simulations to anticipate changes
Reporting and converting raw data into meaningful risk dashboards
Designing and proposing new risk strategies and KPIs to support business growth within risk appetite
Optimizing risk policies to increase automatic decisions and reduce manual processing
Defining, implementing, and maintaining decision strategies within the decision engine
Participating in the design of decision processes, including IT requests, data analysis, and statistical modeling
Assisting in the implementation of new strategies in the decision engine
Performing Risk analysis
Proposing improvements in the automation of risk decisions and new strategies to achieve goals while maintaining loss levels according to risk appetite
Managing Risk in portfolios under management limits for admission and performance of loans
Proposing new KPIs to follow

Skills

Key technologies and capabilities for this role

SASPythonExcelStatistical ModelingData AnalysisPortfolio ManagementCredit Risk AnalysisRisk DashboardsDecision Engine

Questions & Answers

Common questions about this position

What is the salary for the Credit Risk Analyst position?

This information is not specified in the job description.

Is this Credit Risk Analyst role remote or office-based?

This information is not specified in the job description.

What qualifications and skills are required for this role?

A Master’s or bachelor’s degree in Business, Finance, Mathematics, Econometrics or similar is required, along with at least 3 years of experience in retail credit risk, portfolio management or analytics, strong analytical skills, hands-on experience with SAS, Python and Excel, good knowledge of English, and a proactive collaborative mindset with excellent communication skills.

What is the company culture like at Santander Consumer Finance?

Santander has an open corporate culture with an informal working atmosphere, appreciates initiative and humor, encourages creativity, and organizes parties and other activities. They work with many different nationalities internally and externally.

What qualities make a strong candidate for this Credit Risk Analyst role?

A strong candidate is a proactive, analytical, and well-organized team player who thrives in an international environment, communicates clearly, enjoys working with data and numbers, and is always looking for ways to improve processes and outcomes.

Santander

Provides banking, investment, and insurance services

About Santander

Santander Bank provides a variety of financial services to individuals, small businesses, and large corporations in the United States. Its offerings include savings and checking accounts, loans, credit cards, and investment products. The bank also has specialized services through Santander Investment Services and insurance products via Santander Securities LLC. Santander stands out from its competitors by focusing on community growth, committing $13.6 billion to support initiatives like the 'Cultivate Small Business' program, which aids early-stage entrepreneurs, especially from underrepresented groups. The bank generates revenue through interest on loans, service fees, and commissions, while promoting responsible banking practices and financial education. Santander's goal is to empower individuals and businesses, enhance community prosperity, and provide comprehensive financial solutions.

Boston, MassachusettsHeadquarters

1902Year Founded

$75MTotal Funding

POST_IPO_DEBTCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Benefits

Health, dental, & vision

401k

Flexible PTO

Parental & sick leave

Discounts: technology, travel, auto, fitness, & tuition

Risks

ISO 20022 transition may challenge smaller business partners.

'Quishing' attacks pose a growing threat to consumer security.

Openbank faces competition in the U.S. high-yield savings market.

Differentiation

Santander's Openbank offers a 5.00% APY high-yield savings account nationwide.

The bank's Inclusive Communities Plan pledges $13.6 billion for community initiatives.

Santander's ISO 20022 adoption enhances operational efficiency and data management.

Upsides

Openbank's high-yield savings account attracts more U.S. customers.

Santander's renewable energy financing highlights commitment to sustainable investments.

Proactive cybersecurity measures enhance customer trust and protect digital assets.

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