Online Lending Senior Expert - Credit Risk & Recovery (Openbank)
Madrid, Spain
WHAT YOU WILL BE DOING We 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 responsibilities: Design the credit admission processes to assess customer creditworthiness.Develop necessary automatic decision tools and decision models.Monitor the portfolio and propose necessary changes in the admission model to ensure an adequate performance in terms of risk-return.Collaborate with other teams to ensure that the risk process is fully compliant and efficient.Self-sufficiently extract necessary data for analytics as a portfolio manager.Define credit rules.Monitor portfolio.Define KPIs.Act as Model and Process Owner.Improve the admission process and credit rules.Manage and report on MIS.To 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.Knowledge of credit admission models: construction, variables used, and external sources consulted.Experience with consumer goods financing (personal loans, point-of-sale financing, credit cards).Financial data management skills: credit portfolio monitoring and model performance monitoring.Experience in digital business and processes: FinTechs or digital departments of traditional banks.Risk analysis experience of retail operations, with international market experience 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.Collaborating on international projects in different countries.Excellent work environment, social clubs, and frequent events (virtual at present).Would you like to grow with us?
Join our team!
Openbank is an equal opportunity employer.
All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership, nor disability status.
We make recruiting decisions based on your experience and skills.
We value your passion to discover, invent, simplify and build.
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