Risk Monitoring Analyst - Santander Consumer FinanceCountry: Spain

IT STARTS HERE

Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible.

This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

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 or digital channels) and indirect sales (through third parties) of consumer finance products.

THE DIFFERENCE YOU MAKE

Santander Consumer Finance is looking for a Risk Monitoring Analyst based in our Boadilla del Monte (Madrid) office.

We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Analysis, consolidation and challenge of main credit risk metrics (S3, Provisions, Cost of Credit...) as well as rest of risks (counterparty, market and liquidity, non-financial risks...) for units within Western Hub scope.

• Synthesize and elaborate key messages for senior management, helping to develop Western Hub regulatory and management reports.

• Support, collaborate and coordinate the implementation of different projects at local level, identifying main workstreams with its correspondent owners and monitoring its progress.

• Execute Strategic plans and budgeting processes.

• Execute and ensure the correct performance of local month end provision calculation/forecasting processes.

• Specific/Ad-hoc analysis of portfolio´s performance.

• Regular communication and coordination with different departments/local units.

• Produce and automate reports/presentations/supporting materials related to WH Risk Monitoring for different forums and stakeholders (internal and external).

WHAT YOU'LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We're enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience

• Experience in Risk Control and Monitoring functions, especially in credit risk and portfolio´s analysis (Required)

• Experience with IFRS9 models (Preferred)

• Experience in a local business unit is valuable (Preferred)

Education

• Bachelor's degree in economics, business, engineering, science, technology or mathematics (Required)

Languages

• High level of written and oral communication skills in English (Required)

Hard Skills

• Basic / Medium level of programming (SAS programming, Python...) and data management (SQL, Access...) (Required)

• MS Office advanced knowledge (Required)

• IFRS9 (Preferred)

• New definition of default (Preferred)

Soft Skills

• Analytical skills

• Adaptability

• Problem solving orientation

• Cross-Functional Collaboration

• Teamwork

WE VALUE YOUR IMPACT

Your contribution matters, and it's recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers.

• We're enable our teams to go beyond through global opportunities and broad career paths.

• Flexibility that works. Enjoy a hybrid working models-some days remote, some days onsite with your team-along with flexible hours.

• Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com)

• Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.

• Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.

• Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing.

• We know family is everything. That's why we offer childcare support and family-friendly programmes tailored to each life stage.

• Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.

• Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that's only the beginning-we'll tell you more when you join!

We're here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.

LOCAL COMPLIANCE

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 this sounds like a role you are interested in, then please apply.

READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?