Job Properties
  • Job Type
    Full-time Position
  • Category
    Software & Information Technology
  • Languages
  • Experience Required
  • Degree Required
    • Province
    • Date Posted
      January 13,2022
    • Entrusting Package
    • JSS
    • VISA
    • IMG_6430
    • Career Consultation

    Credit Risk Analyst

    For our office in Utrecht we are looking for a motivated candidate for the position of:

    Credit Risk Analyst

    40 hours

    Do you believe Risk management is key for a healthy growth in the banking business? Do you like to work with numbers? If you enjoy working in an international environment in close cooperation with other departments, we are looking for a new colleague in our Retail Credit Risk team.

    What will you be doing?

    In this role, you will create a high impact in the organization by assisting in the development of new product launches, vendors or channels, with the Risk analysis you will perform.

    You will be capable to propose improvements in the automation of risk decisions and you will propose also new strategies to achieve the goals while maintaining the loss level according to the set risk appetite. You will manage the Risk in the portfolios under the management limits defined for admission and performance of the loans and will propose new KPIs to follow.

    Who are you?

    If you like to work in a very international environment, if you are a team player, well organized and proactive person, this combined with your analytic mindset and good communication skills, then this is your place to be.

    We are looking for a colleague who holds a Master or bachelor’s degree in business/ Finance, Mathematics, Econometrics or similar, with at least 3 years of experience in retail credit risk, portfolio management or analytics.

    English is our working language and SAS, Excel or Python are our based tools to analyze the information. Advanced level is required.

    What are your tasks and responsibilities?

    • Implement locally the recommendations, instructions, guidelines, frameworks, models and policies of the bank.
    • Defining new strategies and policies for reaching the targets, mitigating the risk in the portfolios and increasing the automatic decision rate based on the scorecards, cleaning up the policy rules, supporting the business with a controlled risk. Optimization the portfolio to reduce manual decisions and processes.
    • Follow the admission KPIs of risk including frauds, commercial and finance. Analyze deeply in more granular level to detect early deviations in the business, and to provide solutions in an early stage.
    • Monitor the performance of the granted loans based on the vintage methodology. Tracking key indicators in order to detect shifts in the behavior of the loan portfolio with respect to the theoretical curve established connected to the expected loss of the new business.
    • Monitor the main Risk metrics of the portfolio every month and be able to explain together the situation and trends with risk control, based on the admission strategies, changes in the market or customer, maturity or one-off situations.
    • Assessment of all the new partners or dealer according to the authorities given, highlighting positive and negative opinions about al risks to the retail manager in the onboarding process.
    • Ensuring that the projects, initiatives and technological processes related to portfolio management are defined, developed and implemented in accordance with the timetables set.
    • Continuous analysis of the portfolio, simulations and extraction of information necessary to anticipate changes and make decisions based on profitability targets. Dynamic use of risk information. Ensure the quality of the information sent to senior management.
    • Responsible of the decision models used in the portfolio. Monitoring of indicators of stability and performance of the models be aware of the mode owner functions and present to the Model Committee the changes in the decision’s models. Propose improvements, challenging and cooperating with Risk modelling team.
    • Supporting the team in ad-hoc presentations (Board Directors, Board Risk Committee, Internal Audit, HQ, external regulators, investors, etc.).

    Who are we?

    We are part of the Santander Group. One of the largest banking groups in the world. With branches in more than 40 countries, the Santander Group enjoys the trust of more than 65 million customers. In the Netherlands, the Santander Consumer Finance division is housed in Utrecht. Within the Santander Group it concentrates on the provision of financial services to consumers, retailers and automotive companies and is renowned for its reliability and the unwavering focus of its range.

    Our mission.

    We want to help people and businesses grow through responsible consumer loans, the best customer service and the best support to our partners. We do this in a way that is Simple, Personal and Fair.

    What do we offer?

    With us you get the unique opportunity to collaborate internally with 15 different nationalities. We see our colleagues as our capital. This means that we are happy to help you grow and hope that you are ready to seize the opportunities and challenges as they arise. With us, initiative is appreciated, creativity is stimulated, and new ideas are always welcome. In our open corporate culture with an informal atmosphere, there is plenty of room to develop your career.

    In addition to a salary which runs up to an annual salary of 60.000,00 (depending on experience and education), we offer a 13th month and holiday allowance. You get 27 days of leave per year, a performance bonus of max 10%, participation in the collective pension scheme with 5% contribution, 10% contribution for the collective health insurance and various training opportunities.

    Our commitment to be an employer at the top has recently been rewarded with the official Top Employer 2021 certification in the Netherlands, Belgium and Europe!

    Further information

    Do you want more information about this position? Please contact HR by mail

    Wish to apply?

    This is the chance to use your talent with a dynamic, international organization. Are you enthusiastic and the perfect candidate for this position? Please apply* by sending your CV and cover letter to: before the 9th of February.

    NOTE: we are not able to hire applicants from outside Europe due to the fact that we are not a ‘recognized referent’ sponsor at this moment.

    Applications at Santander continue as usual. All interviews will be conducted by telephone or video call until further notice.

    For this vacancy an individual assessment can be part of the application procedure.

    • Screening is part of the application procedure. We check whether new employees are sufficiently reliable to work for Santander based on the screening procedures that apply within Santander.

    Acquisition in response to this vacancy is not desired.

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