Job Overview
La siguiente información tiene como objetivo proporcionar a los posibles candidatos una mejor comprensión de los requisitos para este puesto.
Santander Consumer Finance seeks a Residual Value Risk Specialist based in our Boadilla del Monte (Madrid) office.
Responsibilities
Work closely with the Residual Value risk team in HQ and subsidiaries to help develop and enhance retail decision models and strategies related to asset/residual value risk management.
Monitor Residual Value portfolios, tracking key performance metrics and identifying deviations versus expected outcomes.
Analyze automotive market trends in Europe impacting future residual values.
Support local Residual Value teams to maintain processes and analytics to set and review residual values for vehicle leasing portfolios.
Participate in local and Group-level forums related to Residual Value, Risk and Asset Management.
Liaise with Business and Finance departments and provide independent challenge to commercial proposals and pricing assumptions, ensuring risk‑adjusted decisions.
Professional Experience
5–7 years of experience in asset risk management within automotive, leasing or asset‑based portfolios in a regulated environment. (Required)
Demonstrated strong presentation, written, and verbal skills. (Required)
Proven experience as a specialist or subject matter expert in Residual Value setting, validation and portfolio monitoring. (Preferred)
Education
Bachelor’s degree in Economics, Statistics, Actuarial Science, Mathematics, Engineering or related fields. (Required)
Postgraduate studies in Finance, Risk Management or Data Analytics. (Preferred)
Languages
Spanish: Native/Advanced. (Required)
English: Advanced, able to work in an international environment. (Required)
French: Intermediate level. (Preferred)
Hard Skills
Strong analytical capabilities applied to residual value forecasting and market risk assessment. (Required)
Ability to make sound, data‑driven judgments in uncertain or evolving market conditions. (Required)
Exposure to analytical tools or data environments (e.G. SAS, SQL, Python). (Preferred)
Advanced proficiency in Microsoft Office, particularly Excel and PowerPoint. (Preferred)
Soft Skills
Ability to act as HQ reference and trusted partner for a local market.
Strong analytical thinking with the ability to synthesize complex, country‑specific information.
Excellent communication skills, with the ability to challenge assumptions and contribute to decision‑making.
High level of ownership and drive, with a proactive approach to identifying risks, proposing solutions, and following through to execution.
Benefits
Hybrid working models with adaptable hours.
Access to Santander Open Academy and other learning platforms.
Highly competitive salary and performance‑based bonuses.
Preferential banking terms and insurance benefits.
Wellness programme and holistic wellbeing initiatives.
Childcare support and family‑friendly programmes.
Legal and administrative advisory services for employees and families.
Gym/WellHub membership, medical centres, meal subsidy, parking, shuttle service and exclusive 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. xhfqzwm We are committed to providing an inclusive and accessible application process for all candidates.
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