Your role and the team 

In this role, you will create a high impact in the organization by assisting in the implementation of new strategies in the decision engine and 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.

You are
A proactive, analytical, and well-organized team player who thrives in an international environment. You communicate clearly, enjoy working with data and numbers, and are always looking for ways to improve processes and outcomes.

Your duties and responsibilities in short

• Continuous analysis of the credit portfolio and simulations to anticipate changes.

• Reporting and converting raw data into meaningful risk dashboards.

• Designing and proposing new risk strategies and KPIs to support business growth within risk appetite.

• Optimizing risk policies to increase automatic decisions and reduce manual processing.

• Defining, implementing, and maintaining decision strategies within the decision engine.

• Participating in the design of decision processes, including IT requests, data analysis, and statistical modeling.

You have

• A Master’s or bachelor’s degree in Business, Finance, Mathematics, Econometrics or similar

• At least 3 years of experience in retail credit risk, portfolio management or analytics

• Strong analytical skills and hands-on experience with tools such as SAS, Python and Excel.

• Good knowledge of the English language, both verbally and in writing

• A proactive and collaborative mindset, and excellent communication skills.

We are
Santander Consumer Finance. We have been active in the consumer finance market in the Netherlands since 1985 (car financing, personal loans and stock financing). In the Netherlands, we serve our customers from our office in Utrecht, and since 1992 also in Belgium from our office in Merelbeke (near Ghent). The leasing company Santander Leasing is also part of Santander (in the Netherlands with offices in Den Bosch, and in Belgium from Merelbeke). Our Benelux team consists of approximately 350 colleagues. Together, we are part of the Santander Group, one of the largest financial institutions in the world.

What makes Santander different and unique?
We work internally and externally with many different nationalities. We appreciate initiative and humor. We encourage creativity and discuss new ideas with each other. We have an open corporate culture with an informal working atmosphere, and we regularly organize parties and other activities.

We offer 

• A personalized induction program so you can dream of Santander and our way of working.

• A unique international working environment where you will work with different nationalities both internally and externally.

• A laptop

• In addition to a competitive salary, you can count on a 13th month, annual performance bonus of up to 10% of your annual salary, 27 days of leave and a collective pension plan with 5% own contribution.

• Travel allowance EUR 0.23 per km with a maximum of 30 km one way or reimbursement of the entire journey by using an NS Business Card.

• We encourage development and growth and offer various training opportunities.

• The possibility to work partly from home with a home office allowance (€3,35) for the days you work from home.

Enthusiastic?

Join the team! This is your chance to use your talent in a dynamic, international organization.

* Screening is part of the application process. We check, based on the screening procedures in place within Santander, whether new employees are sufficiently reliable to perform work at Santander.

* We have a strong risk culture and expect all our professionals, regardless of their position, to have a proactive and responsible attitude towards risk management.

Acquisition in response to this vacancy is not desired.