Specialist – Decision Strategy & Statistical Analysis (Credit Risk Department)
Location: Boadilla del Monte, Madrid, Spain.
Santander Consumer Finance seeks an experienced professional to deliver AI/ML, data engineering and statistical solutions that support credit risk decision processes within our credit risk department.
Responsibilities
* Deliver AWS‑based AI/ML, data engineering and data science solutions supporting credit risk decision processes.
* Manage credit risk decisioning ecosystems, including Provenir risk engine, databases, and analytical environments.
* Parameterize, maintain, and optimize risk decision strategies across different portfolios within Santander Digital Bank countries.
* Design and implement data‑driven credit risk strategies and frameworks aligned with organizational and portfolio objectives.
* Support technological initiatives that impact Credit Risk Decision Strategy and Statistical Analysis capabilities.
* Develop and maintain automated ETL‑based monitoring processes covering the end‑to‑end admission process including data quality, admission performance, and decision engine accuracy.
* Collaborate with cross‑country teams to integrate risk management practices across the organization.
* Support continuous improvement and automation of credit risk decision process through analytics and innovation.
Qualifications
Professional Experience
* Minimum 6 years of experience in credit risk analytics, modelling, decision strategy, or statistical analysis within banking, consumer finance, or fintech environments (Required).
* Experience working with credit risk decisioning ecosystems (Provenir, FICO, Experian, etc.) and risk strategy implementation across multiple portfolios (Required).
* Experience operating within international and cross‑country financial institutions (Preferred).
Education
* Master’s degree in Mathematics, Physics, Statistics, Data Science, Computer Science, Econometrics, or another quantitative discipline (Required).
* Additional certifications or advanced qualifications in risk management, AI/ML, or analytics (Preferred).
Languages
* C1/Fluent English, written and spoken (Required).
* Additional EU languages considered an advantage (Preferred).
Hard Skills
* Strong programming and analytical skills in Python, SQL, R, SAS or equivalent analytics tools (Required).
* Hands‑on experience working with AWS ecosystem and advanced analytics (Required).
* Experience working with credit risk decision engines (Required).
* Experience with ETL processes, data pipelines, and automated monitoring frameworks (Required).
* Experience designing or integrating web service‑based and API‑driven analytical and decision solutions, supporting real‑time or near real‑time decision processes (Required).
* Experience deploying AI/ML solutions considered an advantage (Preferred).
Soft Skills
* Strong analytical and problem‑solving mindset.
* Ability to translate complex analytics into business decisions.
* Excellent communication and presentation skills.
* Strong collaboration skills across business, risk, and technology teams.
* High level of self‑organization and ability to manage multiple priorities in a complex project environment.
* Continuous improvement mindset, proactively identifying opportunities to enhance processes, analytics, decision strategies.
* Thrives in a dynamic team; enjoys sharing knowledge and learning from others.
Benefits
* Global opportunities and broad career paths.
* Hybrid working model with flexible hours.
* Access to hundreds of courses through Santander Open Academy.
* Highly competitive salary with performance‑based bonuses.
* Preferential banking terms, special interest rates on loans, life insurance, and more.
* Well‑being programmes through BeHealthy.
* Childcare support and family‑friendly programmes.
* Legal, emotional, and administrative advisory services via Santander Contigo.
* Gym/WellHub membership, medical centers, meal subsidy, parking, shuttle service, and exclusive employee discounts.
Equal Opportunity Statement
Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.
What to do next: If you’re interested, please apply.
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