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Risk MI Specialist / Senior Risk MI Specialist

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 a Risk MI Specialist, 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)

Skills & Requirements

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

  • Working in a global company that delivers great results, with high ambition where you can develop a lifelong career
  • Joining a team with a high level of diversity and a multi-cultural working environment
  • A working culture that is informal, but at the same time professional and dynamic, with the opportunity to make an impact
  • A place in our improvement-focused team where we are currently on a journey towards harmonised processes across 4 markets
  • Flexi-work policy
  • Many active sports arrangements and other social events

The position is based in any of the four Nordic countries (and requires a valid work permit in Norway, Sweden, Finland or Denmark). Limited travel within the Nordic countries may be required.

For more information about the position, contact Javier Fonseca, Risk MI Leader; tel +358 504 339 182; e-mail: [email protected]

The position may require completion of a Suitability Assessment, including police certificate of good conduct and credit check. The assessment is not carried out without prior consent of the candidate and relevant candidates will be informed during the recruitment process.

Great Place to Work

  • We invest in you

  • Innovative and looking to the future

  • BeHealthy | Your health is important to us

  • Social events for all employees

  • Engaged colleagues

  • Dynamic work environment

  • Employee benefits and discounts

  • Competitive insurance and pension plans

  • We give back to society

  • Gode pensions- og forsikringsforhold

  • Vi investerer i din udvikling

  • Vi giver tilbage til samfundet

  • Medarbejderfordele og rabatter

  • Dedikeret kollegaer

  • Globale muligheder

  • Sociale arrangementer for alle medarbejdere

  • Innovativ og fremadtænkende virksomhed

  • Gode forsikrings- og pensjonsordninger

  • Engasjerte kolleger

  • Sosiale arrangement for alle ansatte

  • BeHealthy | Din helse er viktig for oss

  • Innovativt og fremtidsrettet selskap

  • Vi investerer i deg

  • Vi gir tilbake til samfunnet

  • Personalgoder og rabatter

  • Dynamisk arbeidsmiljø

  • Sociala evenemang för alla anställda

  • Dynamisk arbetsmiljö

  • Vi ger tillbaka till samhället

  • Konkurrenskraftiga pensioner & försäkringar

  • Innovation, förbättring och utveckling

  • Globala möjligheter

  • Friskvård - din hälsa är viktig för oss

  • Engagerade kollegor

  • Personalförmåner via Benify

About the company

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/

TWorld’s Most Sustainable Bank 2019 (Dow Jones Sustainability Index 2019)

TA Nordic Bank with global strength

TPart of Banco Santander – one of the world’s largest financial institutions

TBanco Santander’s history goes back more than 160 years

TOver 1200 employees across the Nordics

TWe serve over 1.6 million customers

TStrategic partnerships with over 10 000 car dealers, merchants and brokers

TInnovation is key to our future success

TEn Nordisk bank med global styrke

TEn del af Banco Santander – en af verdens største finansielle institutioner

TBanco Santanders historie går mere end 160 år tilbage

TVerdens mest bæredygtige bank 2019 (Dow Jones Sustainability Index 2019)

T1.200 ansatte på tværs af Norden

TOver 1.6 mio kunder

TStrategiske partnerskaber med mere end 10.000 bilforhandlere, indkøbere og brokere

TInnovation er nøglen til vores fremtidige succes

TVi leverer digitale kundeoplevelser

THistorien vår går tilbake til 1963 i Norge

TOver 600 000 kunder og 3500 partnere i Norge

T50/50 fordeling menn og kvinner

TOver 600 000 kunder og 3500 partnere i Norge

TStørst på billån i Norge

TFremtidsrettede | Først ute i Norge med ApplePay

TVi er dedikert til å være en ansvarlig långiver!

TInnovative | Vår siste nyvinning SHFT – en abonnementsløsning for bil

TEn nordisk bank med global styrka

TDel av Banco Santander - en av världens största finansiella institutioner

TBanco Santanders historia går tillbaka mer än 160 år

TVärldens mest hållbara bank 2019 (Dow Jones Sustainability Index 2019)

T1200 anställda i Norden

TVi servar över 1,6 miljoner kunder

TInnovation är nyckeln till vår framgång

TVi levererar digitala kundupplevelser i framkant

Santander Consumer Bank Nordics

Multiple locations | Hybrid
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