specjalista(-tka) ds. projektowania portfeli kredytowych - analiza danych at Santander

Wrocław, Lower Silesian Voivodeship, Poland

Santander Logo
Not SpecifiedCompensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, FinanceIndustries

Requirements

  • Kompetencje obsługi Excela oraz umiejętność pracy z relacyjnymi bazami danych (język SQL na poziomie zaawansowanym)
  • Wysoko rozwinięte umiejętności analitycznego myślenia do rozwiązywania problemów i tworzenia nowych rozwiązań
  • Doświadczenie w przygotowywaniu analiz/raportów/budowy modeli statystycznych na podstawie dużych zbiorów danych
  • Znajomość specyfiki pracy w jednostkach analitycznych tworzących rozwiązania zaawansowanej analityki danych (business intelligence, data mining)
  • Chęć dzielenia się wiedzą, pozytywne nastawienie i entuzjazm
  • Samodzielność oraz odpowiedzialność
  • Wykształcenie wyższe na kierunkach ścisłych lub ekonomicznych
  • Mile widziane
  • Doświadczenie w instytucji finansowej, w szczególności znajomość produktów bankowych, zachowań klientów i modelu operacyjnego banku
  • Znajomość narzędzi raportowych np. Power BI, Tableau oraz prowadzenie analiz danych w Python lub pokrewnych

Responsibilities

  • Bezpośredni wpływ na kształt profilu ryzyka portfela kredytowego małych i średnich przedsiębiorstw Banku
  • Prowadzenie analiz danych z procesów kredytowych i wyciąganie wniosków w zakresie skuteczności oceny ryzyka kredytowego
  • Wypracowywanie rozwiązań i rekomendacji dotyczących kształtu procesu i polityki kredytowej dla małych i średnich przedsiębiorstw

Skills

Key technologies and capabilities for this role

ExcelSQLPower BITableauPythondata analysisstatistical modelingbusiness intelligencedata mining

Questions & Answers

Common questions about this position

What is the work arrangement for this position?

The role offers hybrid work, partially in the office at ul. Robotnicza 11 in Wrocław.

What are the required skills for this role?

Required skills include advanced Excel proficiency, advanced SQL for relational databases, analytical thinking for problem-solving, experience in preparing analyses/reports/statistical models from large datasets, knowledge of advanced analytics units (business intelligence, data mining), sharing knowledge enthusiastically, independence, responsibility, and a higher education degree in exact or economic sciences.

What benefits does Santander offer for this position?

Benefits include a substitute contract, hybrid work, private Medicover medical care (with optional dental package), cafeteria system with points for activities like vacations, culture, gastronomy or childcare subsidies, Multisport card, bank product offers and employee loans, wellbeing activities like Interest Clubs, webinars, exercises, podcasts, office initiatives such as mammobus, eye exams, self-defense workshops, baby welcome kits, and financial supplements for disabled persons.

What is the team structure like?

The team consists of 10 people in the Biuro Projektowania Portfela MŚP led by Grzegorz Boczar, with opportunities for integration with other employees through over 20 Interest Clubs.

What makes a strong candidate for this role?

A strong candidate has the required skills in Excel, advanced SQL, analytical thinking, experience with data analyses and models, knowledge of advanced analytics, enthusiasm for sharing knowledge, independence, and a relevant degree; experience in financial institutions, bank products, customer behaviors, reporting tools like Power BI/Tableau, or Python analysis is highly desirable.

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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