Credit Risk Manager
5 maanden geleden
SANTANDER CONSUMER FINANCE is looking for a CREDIT RISK MANAGER BENELUX, based in our UTRECHT office.
WHY YOU SHOULD CONSIDER THIS OPPORTUNITY
At Santander () we are key players in the transformation of the financial sector. Do you want to join us?
Santander Consumer Finance focuses on business development related to consumer finance products, sales channels and commercial agreements with dealers, vehicle manufacturers or retail distribution establishments, as well as commercial functions associated with direct sales (branches, call centers or digital channels) and indirect sales (through third parties) of consumer finance products.
Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper. We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
WHAT YOU WILL BE DOING
As a Credit Risk Manager you will be mainly responsible of the level of losses in the different products and the risk reporting to stakeholders. You will lead people divided in the subareas of Risk Controlling & Reporting and Portfolio management & Risk analytics.
Besides that, you will be:
Project manager of risk-related initiatives. Ensuring that the projects, initiatives and technological processes related to portfolio management are defined, developed and implemented in accordance with the timetables set.
Management of relationship with third parties, including vendors, internal and external auditors, supervisory entities and Board members, among other stakeholders.
Together with your team you will be responsible of:
Risk Controlling & Reporting:
Carrying out the provisions calculation and improving month-end processes integrating unit information in the Santander M.I.S.Model owner of the IFRS models.Generate forecasts and budget that facilitates an integrated view for risk management as well as monitoring actual performance against budget to explain the movement of the Risk metrics in the Risk Control committee.Regularly producing the consolidated reporting for regulators and Headquarters.Ensure the quality of the information sent to senior management.
Portfolio management & Risk Analytics:
Defining new strategies, scorecards and policies for reaching the targets, mitigating the risk in the portfolios and increasing the automatic decision. Continuous analysis of the portfolios, simulations and extraction of information necessary to anticipate changes and make decisions based on profitability targets. Maintenance and implementation of necessary changes in the credit risk strategy ( scorecards, affordability, credit bureaus, rules) into the Risk decision engine with the correct parameterization and testing. Define alerts and limits to monitor the main Risk metrics of the portfolio every month and being able to explain any deviations based on the admission strategies, changes in the market or customer, maturity or one-off situations. Model owner of the admission scorecard models.
EXPERIENCE
+ year experience in retail credit risk, portfolio management or analytics. Managing products such as auto loan and leasing, credit cards, sales finance and consumer loans is an advantage.
Experience leading projects
International experience (Europe).
Minimum years experience managing people.
EDUCATION
Masters or Bachelor’s Degree in Business/Finance, Mathematics, Engineering, or related field. Participation in management development or leadership programs is desirable.
SKILLS & KNOWLEDGE
Proficiency level of Microsoft Office package, including Word, Excel and Power Point.
Frequent user of SAS / SQL
Advanced level in English (Professional language) . Desirable Dutch.
Leader of people with experience in diverse, multicultural and complex environments.
Strong interpersonal and communication skills.
Team lead and team player with the ability to influence and drive change with strong problem solving competence.
Highly organized, efficient and proactive attitude.
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