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

Excel

Power BI

SQL

produkty depozytowe

strategia oszczędności

zarządzanie płynnością

analiza finansowa

agile

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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