Risk Management Information Analyst – Santander Consumer Bank Nordics – Työpaikat
Do you want to be part of a highly diverse international team working together to deliver on IFRS9 loan loss information? We are looking for you if you have an analytical mindset, take initiative and enjoy working in collaboration with others. Our team performs in a highly integrated environment preparing risk reporting for a broad range of stakeholders. We excel at working with data and analytics to provide insight into our bank’s risk and opportunities. We are looking for a well-rounded individual who has worked with reporting before and has experience in working with documenting the finer points of applying IFRS9.
The Risk MI department is a part of the Enterprise Risk Management function and is made up by a Nordic team of analysts and specialists with main focus on reporting and investigation of credit risk related matters.
As Risk MI Analyst, your main area of responsibilities covers the running and upkeep of the IFRS9 Engine and the Santander Nordic Default engine to support the bank’s provision process and the reporting of losses in accordance with IFRS9 throughout its reporting cycles: pre-close, month close, budgeting and forecasting. You will support the Risk MI team in proving supporting analysis to transform the data reported into meaningful management information.
You will be interacting with our HQ counterparts, our local IFRS team and our auditors in matters related to the IFRS9 provisioning process. Change management and related controls are an important aspect of your responsibilities to ensure high quality and continuity, and will require collaboration with IT and Data management teams. As steward of our IFRS9 data asset, many reporting and change initiatives will require connection to our data in a structured way, which you will play a key role in delivering.
You will be working with a Nordic team, supporting the end-to-end closing process for the bank where your responsibilities include proactive planning, monitoring and mitigating action to ensure delivery on time and with quality.
You will be working in a vital area of Santander´s risk strategy and your daily job will involve collaboration across the different departments inside Risk such as Risk Data and Modelling teams to support the IFRS9 model update process for the bank and to help deep dive on analytics to understand the loss results associated to various product lines.
Data is an essential part of all risk processes to identify, measure and mitigate risks inherent to our core business activities.
Main activities
- Performing data mining/extraction and analytics to problem solve, understand closing results and improve forecasting capabilities while using BI tools for results visualization, reporting improvements and automation
- Delivering on process improvements towards common, documented, best practice ways of working with various stakeholders in the company (current development on transitioning report/processes to Python)
- Performing monthly reports, processes and analysis for loan losses across a mix of products and/or countries
- Working together with Risk and Business Units in driving change processes for improvements, harmonization and regulatory updates
- Implementing updates to internal policies and upkeeping documentation for reporting and accounting decisions related to loan losses (e.g. accounting memos)
Qualifications and experience:
- Minimum 3-4 years of experience in the financial industry within Risk, Analytics or Finance
- Intermediate programming skills (SAS/SQL/Python) and strong excel skills (Power BI is a plus)
- Experience working with and analysing IFRS9 in relation to loan losses. Creating supporting IFRS accounting memos to support post model adjustments is a plus
- A record of creating budgeting and forecasting processes in the financial industry is a plus (understanding of credit risk fundamentals is key and internal controls work is an advantage)
- Master or Bachelor’s degree in Business, Finance, Mathematics, Engineering, Computer Science or related fields
Skills and personal traits required to succeed:
- Comfortable working independently and in teams, combining lead vs support roles
- Strong problem-solving competence
- Curious, with attention to detail and taking pride in delivering at a high-quality level
- Organized, structured and able to execute on the plans and tasks given
- Flexible and service oriented in terms of going the extra mile when required
We offer
- An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
- A corporate culture that is professional, yet informal, customer and value driven
- Highly competent and dedicated co-workers with strong collaboration across the Nordics
- A high level of diversity and multi-cultural working atmosphere
- A strong focus on learning and development
- Multiple sports and social events
The position is based in one of our offices in either Oslo, Copenhagen or Helsinki, and you will need to have a valid work permit for Norway, Denmark or Finland. Limited travel within the Nordic countries may be required.
For more information about the position, contact Javier Fonseca, Risk MI Leader, e-mail: [email protected]
We perform background checks on all relevant candidates. For positions that require authorization and/or confirmation of suitability, a police certificate of good conduct and credit check must be presented. Background check is carried out with prior consent from the candidate.
About Us
We are a Nordic bank with more than 1,200 colleagues in Sweden, Norway, Denmark and Finland, and proud to be part of Banco Santander, one of the largest banks in the world with a solid history going back more than 160 years.
Our purpose is to help people and businesses prosper and we aim to be the best retail and commercial bank, earning the lasting loyalty of our people, customers, shareholders and communities – through simple, personal and fair banking.
In our organization we foster and value an engaged, challenging and passionate environment that provides opportunities for personal and professional growth. We operate in an ever changing environment, and believe the key to success is innovative involvement, a playful approach to active learning and continuous improvement in our daily work.
We are firmly committed to being a responsible bank in the way we operate, our culture, caring for our environment and giving back to society. Banco Santander is recognized as the most sustainable bank in the world following the publication of the Dow Jones Sustainability Index (DJSI) for 2019.
Read more about responsible banking on our global webpages.
Santander Consumer Bank is one of the largest Nordic banks providing loans and credits, credit cards, deposits and insurance to private customers.
To learn more about Santander in the Nordics, please visit our local webpages
https://www.santanderconsumer.no/
https://www.santanderconsumer.se/om-oss/
https://santanderconsumer.dk/om-os/
https://www.santanderconsumer.fi/