Espec Produtos Cartoes III at Santander

São Paulo, State of São Paulo, Brazil

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Formação superior em Administração, Economia, Engenharia ou áreas correlatas
Experiência prévia em análise de portfólio de produtos financeiros
Conhecimento em indicadores de riscos (EVER, OVER, PDD e LA)
Conhecimento em indicadores financeiros como RWA e ROE
Conhecimentos de P&L e estrutura de custos
Conhecimento mínimo dos conceitos financeiros, incluindo capital
Habilidades analíticas e capacidade de trabalhar com grandes volumes de dados
Conhecimento em ferramentas de BI e análise de dados
Excelentes habilidades analíticas e de resolução de problemas
Excelente comunicação e capacidade de trabalhar em equipe
Capacidade de comunicação eficaz e habilidades interpessoais
Capacidade de buscar informações de forma eficiente e estratégica

Responsibilities

Analisar e acompanhar a rentabilidade do portfólio de cartões
Monitorar e interpretar indicadores financeiros como RWA e ROE, fornecendo insights estratégicos para a tomada de decisões
Criar e implementar estratégias eficazes para a gestão e aumento da rentabilidade do portfólio
Garantir o alinhamento com os objetivos estratégicos do negócio
Avaliar os impactos financeiros ocasionados por mudanças no modelo de atuação

Skills

Análise de Rentabilidade

Indicadores de Risco

EVER

OVER

PDD

RWA

ROE

P&L

Análise de Dados

Excel

Gestão de Portfólio

Análise Financeira

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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