Portfolio Retail Credit Risk Sr. Analyst
Country: Spain
As a **Portfolio Retail Credit Risk Sr. Analyst**, your responsibilities will be:
- Retail Risk management enhancement of Local Units in Consumer Lending products.
- Provide support Credit Risk management transformation in all aspects around Consumer Lending, admission (new Data and Decision Models and Channels), customer management, and portfolio strategy growth.
- Participation in Global Projects with particular focus on Consumer Lending: decision model developments, innovation channels, new products, integral agreements, portfolio sales, and acquisition.
- Acting as a Consumer Lending Risk counterpart in HQ, coordinating with Commercial HQ / CRM/Finance, etc., when apply.
- Prepare Retail Risk Forum Material including relevant issues for escalation with particular focus on Unsecured Financing products.
- Monitoring the Local execution of the credit risk management according to corporate criteria, operational models, and risk management.
- Perform Unit analysis and management integration with budgets/targets.
- Identify strengths and weaknesses of units' capacities in his scope for retail portfolios management.
- Coordinate Corporate Policies implementation with particular focus on Unsecured Financing products
- Increase predictability and transparency of the Credit Risk Portfolios
EXPERIENCE
- +4 years of experience in Retail Risk management, with strong experience in Consumer Finance with focusing on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving).
- Proven experience in Scorecards, Decision Models/Strategies, and decision processes for Consumer Financing products through different channels: Branches, Brokers, digital lending, On-line Sales platforms, Portals, Banks’ cooperations, etc.)
- Deep knowledge and understanding of risks metrics regarding Retail products (including but not limited to: Data sources, Scorecards, Admission Process, Portfolio management, Provision, Budget, etc.) with particular focus on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving)
- Good capacity for planning and managing priorities.
- Good management skills to deal with HQ team and Local counterparties
- Ability to build good executive presentations
- Accounting fundamentals
EDUCATION
- Bachelor of Economics / Statistics / Mathematics / Sciences / Engineering required.
- Master, Postgraduate is desired.
SKILLS & KNOWLEDGE
- Advanced level of Office Package required.
- Native/Advanced level of English and Spanish level is required.
OTHER INFORMATION
- Availability to travel is desired.