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Job Reference:
836419093482858086432460
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Posted:
23.07.2025
Expiry Date:
06.09.2025
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Job Description:
Descripción del puesto - Model Risk Oversight Analyst
Country: Spain
Santander Consumer Finance S.A. is looking for a Model Risk Oversight Analyst, based in our Boadilla del Monte office.
WHY YOU SHOULD CONSIDER THIS OPPORTUNITY
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, 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 help more people and businesses prosper.
WHAT YOU WILL BE DOING
As a Model Risk Oversight Analyst within the Risk Monitoring team, you will collaborate within SCF Western Hub´s Risk Monitoring Team. Your responsibilities include:
* Analysis, consolidation, and challenge of main credit risk metrics (S3, Provisions, Cost of Credit) and other risks (counterparty, market, liquidity, non-financial risks) for units within Western Hub scope.
* Synthesizing and elaborating key messages for senior management, aiding in developing Western Hub regulatory and management reports.
* Supporting, collaborating, and coordinating the implementation of various projects at the local level, identifying main workstreams and their owners, and monitoring progress.
* Supporting strategic plans and budgeting processes.
* Overseeing local month-end provision calculation/forecasting processes.
* Performing specific/ad-hoc analysis of portfolio performance.
* Regular communication and coordination with different departments/local units.
* Producing reports, presentations, and supporting materials related to WH Risk Monitoring for different forums.
EXPERIENCE
* Minimum 2 years of experience in Risk Control and Monitoring functions, with strong expertise in credit risk and portfolio analysis.
* Experience with IFRS9 models (analysis/monitoring).
* Experience in project implementation/coordination of local units.
* Experience in a local business unit is valuable.
* Joint work with other departments such as T&O, Capital.
* Knowledge in credit risk models (parameters, scorings, ratings).
EDUCATION
Bachelor's degree in economics, business, engineering.
SKILLS & KNOWLEDGE
* High analytical skills and ability to communicate/liaise with other departments/units.
* Knowledge of credit risk topics such as NDD and IFRS9 models.
* Excellent written and oral communication skills in English.
* Knowledge of other languages such as French, Portuguese, or Dutch is valuable.
* Autonomy.
OTHER INFORMATION
Occasional business travel may be required.
Supports risk focus identification, threat assessment, and risk mapping at the country/group level. Supports the definition of risk appetite and strategy. Performs constant risk monitoring and reporting, providing an independent view of risks and challenging strategic plans.
Languages
Spanish
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