Santander
Santander
Santander is an international banking group serving retail, commercial and corporate customers across Europe and the Americas. Its business spans everyday banking, consumer and private finance, corporate and investment banking, asset management and merchant payments through platforms such as Getnet. The organization also invests in digital banking and AI-led initiatives, while maintaining a focus on sustainability, financial inclusion and investor services. Its broad operating model brings together teams working across financial products, technology, payments and banking operations.

Lead Unsecured Credit Risk Analyst - Santander Hybrid

Lead unsecured credit risk policy and portfolio analysis for Santander’s retail banking business. Improve lending strategies, support UK-wide policy changes and develop credit risk analysts.

Description

  • Assess how current credit risk policies perform
  • Find opportunities to streamline or strengthen credit risk policy
  • Use and expand credit risk expertise across the product lifecycle
  • Collaborate with stakeholders throughout the business
  • Help deliver updates to credit risk policies and strategies
  • Independently manage complex analytical work with minimal supervision
  • Coach analysts on delivery and professional development

Requirements

  • Demonstrated success developing, implementing and optimising credit risk strategies across the customer lifecycle (Required)
  • Degree-level qualification in a numerate discipline such as mathematics, statistics, operational research, physics or engineering, ideally at 2:1 level, or equivalent qualifications and experience (Preferred)
  • Professional experience with statistical programming tools such as SAS or Python (Required)
  • Strong project management capability, including ownership of analytical projects from inception to completion (Preferred)
  • Knowledge of credit industry products and markets (Preferred)
  • Understanding of credit bureau data, affordability measures and regulations affecting unsecured lending (Preferred)
  • Strong stakeholder management and written and verbal communication skills, with the ability to influence non-technical audiences (Preferred)
  • Exceptional attention to detail, with strategic and creative problem-solving ability (Preferred)
  • Commercial perspective that balances growth, risk and customer outcomes (Preferred)
  • Availability to work from the office at least 12 days each month under the hybrid arrangement
  • Applicants should account for the travel distance, time and cost associated with their selected office location
  • Visa sponsorship may be available; applicants may need to cover personal immigration and relocation costs

Benefits

  • Wellbeing assistance from partners covering physical, mental, social and financial health
  • Wellbeing applications
  • Reduced-cost gym and fitness membership
  • Weekly virtual classes
  • Flexible healthcare and mental health assistance
  • Enhanced family leave
  • Childcare support options
  • Personalised wellbeing assistance
  • Volunteering opportunities
  • International career development and networking opportunities
  • Santander covers mandatory government fees associated with visa sponsorship

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