Online Lending Senior Expert - Credit Risk & Recovery (Openbank)Country: SpainWHAT YOU WILL BE DOINGWe are the 100% digital bank of the Santander Group and we are currently undergoing a technological transformation and international expansion process. In 2017, we kicked off our relaunch plans and have been continuously expanding and growing ever since, especially when it comes to technology. We work in a start-up format, using agile methodologies to take our customers' experience to the next level. In 2019, we launched in the Netherlands, Germany, and Portugal, recently followed by Argentina, with other countries currently in the pipeline.Our culture sets us apart from the rest; social and diversity clubs are part of our essence and day-to-day culture. We are a flexible and fast adapting team currently working remotely most of the time using all kinds of communication tools - we've barely noticed the change!Mission and ResponsibilitiesAs a senior expert in consuming lending, you will have to design the credit admission processes to assess customer creditworthiness, the necessary automatic decision tools, the external sources to consult, and the decision models to be developed. You will also be responsible for monitoring the portfolio and proposing the necessary changes in the admission model to ensure adequate performance in terms of risk-return. You will have to collaborate with the other teams to ensure that the risk process is fully compliant and efficient in terms of T&O resources involved. You will have to be self-sufficient in the extraction of the necessary data to perform adequate analytics as portfolio manager.Main TasksCredit rules definitionPortfolio monitoringKPIs DefinitionModel and process OwnerImprovement of the admission process and credit rulesMIS management and reportingTo be Successful in the Role You Must Have+5-8 years of experience in a similar role.University or Master's Degree in Engineering, Mathematics, Economics or Business Administration.Credit admission models: how they are built, which variables are used, which external sources are consulted, etc.Consumer goods financing (personal loans, point-of-sale financing, credit cards).Financial data management: credit portfolio monitoring and model performance monitoring.Experience in digital business and processes: FinTechs or digital departments of traditional banks.Experience in risk analysis of retail operations, with experience in international markets being particularly valued.Basic programming skills, preferably in SQL and Python.Experience working in agile environments will be a plus!English C1 level.What Do We Offer?Joining a dynamic and agile company undergoing international expansion. Working in start-up mode with the support of the Santander Group. Competitive remuneration and attractive benefits package. Possibility of growth within the company and the Group.#J-18808-Ljbffr
