Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Not SpecifiedCompensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
- Experiência em funções de risco de crédito, controlo ou análise de carteiras de risco (obrigatório)
- Experiência em programação e análise de bases de dados (obrigatório)
- Experiência em setor bancário ou financeiro, preferencialmente em particulares (obrigatório)
- Background em STEM (Science, Technology, Engineering, and Mathematics) ou similar (obrigatório)
- Formação complementar em risco de crédito, data analytics ou controlo de gestão (obrigatório)
- Português (obrigatório)
- Inglês (obrigatório)
- Experiência prática em programação para exploração e análise de dados, preferencialmente com SAS, SQL, Python ou equivalente (obrigatório)
- Bons conhecimentos de MS-Office, nomeadamente Excel e PowerPoint (obrigatório)
- Espanhol (valorizado)
- Perfil analítico/quantitativo com fortes capacidades para resolução de problemas
- Capacidade de organização, planeamento, autonomia, proatividade
- Sentido de responsabilidade e orientação para o detalhe e rigor, sendo orientado a resultados
- Comunicação clara, empática e eficiente, adaptada aos diferentes stakeholders
- Capacidade para trabalhar num ambiente multidisciplinar e colaborativo
Responsibilities
- Apoiar a definição e execução da estratégia das carteiras e dos Planos Estratégicos Comerciais (PEC), assegurando alinhamento com o apetite de risco e os objetivos do Banco
- Monitorizar e analisar o risco de crédito das carteiras, avaliando a qualidade creditícia, indicadores de incumprimento e níveis de exposição
- Preparar informação e análises estratégicas para comités e fóruns executivos, apoiando a tomada de decisão
- Coordenar projetos de melhoria e automação de processos, reforçando a eficiência e o controlo operacional das carteiras
- Assegurar conformidade regulatória e de auditoria, implementando recomendações e boas práticas de gestão de risco
Skills
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What experience is required for the Credit Risk Analyst role?
The role requires experience in credit risk functions, control or portfolio risk analysis; programming and database analysis; and banking or financial sector experience, preferably in retail banking.
What education background is needed for this position?
A background in STEM (Science, Technology, Engineering, and Mathematics) or similar is required, along with complementary training in credit risk or data analytics.
Where is this job located?
The position is located in Lisbon, Portugal.
What is the company culture like at Santander?
Santander fosters a technology-oriented culture centered on the client, valuing critical thinking, innovation, courage to challenge possibilities, collaboration, and a solid risk culture where everyone actively manages risks.
What makes a strong candidate for this Credit Risk Analyst position?
Strong candidates will have the mandatory experience in credit risk, programming/database analysis, and banking/financial sector, plus a STEM background, as these are essential for success in monitoring portfolios and supporting strategic decisions.
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