Ekspert(-ka) ds. oferty oszczędnościowej at Santander

Warsaw, Masovian Voivodeship, Poland

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Minimum 5 years of experience in deposit products, savings strategies, liquidity management, or related areas
Expert knowledge of the deposit market, customer behaviors, product construction, and bank liquidity mechanics
Advanced analytical skills and ability to interpret the impact of offerings on financial results (NII, cost of funding, volumes)
Ability to independently lead projects and initiate changes
Ability to work in an environment requiring quick reactions and high responsibility
Analytical proficiency in Excel

Responsibilities

Independently initiating, designing, and implementing new savings products and modifications to the offering
Shaping and developing medium- and long-term deposit offering strategy that meets the bank's liquidity needs
Ongoing monitoring of deposit levels, volatility, and the impact of product decisions on liquidity
Co-creating pricing scenarios and recommendations based on margin analysis, cost of funding, and market benchmarks
Managing the full product lifecycle, including participation in roadmaps, implementations, and transformation projects
Tracking market trends, regulatory changes, and competitive shifts, and proposing proactive actions

Skills

Key technologies and capabilities for this role

ExcelPower BISQLprodukty depozytowestrategia oszczędnościzarządzanie płynnościąanaliza finansowaagile

Questions & Answers

Common questions about this position

What employment contract and benefits does this role offer?

The position offers a full-time employment contract (first for 12 months), private medical care with Medicover (including optional dental package), a cafeteria system with points for activities like vacations or childcare subsidies, and a Multisport card.

Is this a remote or hybrid position, and where is the office located?

This is a hybrid work arrangement, partially in the office located at al. Jana Pawła II 17 in Warsaw (near Rondo ONZ).

What are the key required skills and experience for this role?

Candidates need at least 5 years of experience in deposit products, savings strategies, liquidity management or similar; expert knowledge of the deposit market, customer behaviors, product construction, and bank liquidity mechanics; strong analytical skills for interpreting financial impacts (NII, funding costs, volumes); ability to independently lead projects; comfort in fast-paced, high-responsibility environments; and analytical Excel proficiency.

What is the company culture and work environment like?

The team works in an agile methodology with chapters and squads, offers integration through over 20 Interest Clubs, and values diversity, believing every employee brings a unique perspective.

What makes a strong candidate for this position?

Strong candidates have 5+ years in deposit products or liquidity management, expert market knowledge, advanced analytical skills with Excel, project leadership experience, and thrive in dynamic environments; knowledge of Power BI, SQL, or other analytics tools is a plus.

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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