Senior Risk Data Scientist - SCF
Country: Spain
Santander Consumer Finance is looking for a Senior Risk Data Scientist based in our Boadilla del Monte office.
WHY YOU SHOULD CONSIDER THIS OPPORTUNITYAt Santander, we are key players in the transformation of the financial sector. Do you want to join us?
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.
Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture, and disability. Our mission is to contribute to help more people and businesses prosper.
WHAT YOU WILL BE DOINGAs a Senior Risk Data Scientist, you will be engaged in:
Co-Leading of core-banking credit risk-decisioning ecosystem Provenir risk engine, database, and analytical environments.Co-Leading of parameterization and maintenance of the risk decision strategy for the different portfolios at SCF Santander countries.Development and implementation of credit risk strategies and frameworks aligned with organizational objectives.Leading technological projects that impact on Credit Risk Decision Strategy and Statistical Analysis Department.Leading automated monitoring processes covering end-to-end admission process - Provenir risk engine system, data, and decision strategies accuracy (scorecards, credit risk policies, decision trees, etc.).Building regular risk admission reports and presenting these to internal customers.Participation in design, development, and management of relational risk databases, and data marts based on automated ETL processes.Participation in implementation and oversight of credit risk API-based processes (counteroffer, pricing, online behavioral scoring, PSD-based processes).Execution of SIT and UAT tests (unit, mass tests) including debugging analysis and conclusions based on test results according to Santander standards.Collaboration with cross-country teams to ensure risk management practices are integrated effectively through the Santander organization.Support the team members, projects we focus on, and the concept of One Team, One Spirit, One Goal.EXPERIENCEYears of professional experience working with credit risk-decisioning systems and credit risk admission processes in a financial services industry.
Strong credit risk assessment skills with focus on credit risk admission processes.Strong quantitative and qualitative analytical skills.Excellent command of specific software like Python, Java, and SQL.Experience with relational databases and ETL processes.Experience in programming and software development.Professional experience in AWS technology is an added asset.You thrive in a dynamic team and enjoy sharing knowledge and learning from others.Self-organization competencies important for this position.Excellent references.EDUCATIONComputer science and Engineering, or IT related with a very solid knowledge and technical skills.
Bachelor / Master of Science in Engineering or Bachelor / Master of Computer Science.Bachelor / Master in Economics, Finance, Maths, Statistics / Actuary are desired.You have the willingness to continuously learn, stay open to feedback, and develop yourself on both the professional and the personal levels.
SKILLS & KNOWLEDGEDecision Engines Systems: Provenir, Modelica, Power Curve or others.Programming languages: Python, Java, JavaScript, C.Database: PostgreSQL, MySQL, MSSQL, IBM, Oracle, or others.Comfortable in handling analytical tools/software on AWS platform.Analytical mindset and demonstrated ability to creatively solve business problems.Software development and web services technology are an added asset.Version controls: GitHub, GitLab, AWS CodeCommit, etc.Result-driven through collaboration and pro-active attitude.Native / Advanced level of English.OTHER INFORMATIONAvailability to travel is desired.
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