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Senior Retail Risk Analyst, Auto

  • Application Deadline: Oct. 8, 2021
  • Oslo
  • Application Deadline: Oct. 8, 2021
  • Oslo

Do you want to analyse the credit risk of the auto portfolio in Santander?

Consumer Bank is part of Europe's largest financial group. We offer a position in an exciting and challenging environment with good and skilled colleagues. This is a job that gives you a good opportunity for professional and personal development in a dynamic company.

The job
We focus on the credit risk management of Santander’s auto portfolio including development and fine-tuning of the lending processes. As an IRB bank everything we do must be in accordance with the regulatory parameters (PD, LGD, EAD), capital impact (RWA) and profitability (RORWA).

As Senior Retail Risk Analyst you must have a sound understanding of the Norwegian car market, regulation, and experience with credit risk management.

You will be responsible for managing and analysing the underlying portfolios and secure that the credit risk strategies are in line with the predetermined risk appetite and sound credit processes. The duties include continuous optimization of the credit decision process through data analysis and mining. We use statistical software from SAS Institute why good skills in these products or similar are a necessity.

You must be driven by curiosity to find current trends and underlying reasons and being able to communicate those. It is also essential that you can transform your findings into ideas to optimise our credit application flow.

The team consists of many nationalities across the Nordic countries, and English is the natural working language. The department has a powerful desire for collaboration, and even though your colleague might not be physically nearby, help is just a call away. Therefore, you can also expect to be included in tasks with a broader Nordic angle than just the Norwegian.

Since many of our tasks involve other departments excellent communication and personal skills are needed and a proactive attitude is an advantage

We offer a job with a lot of variety and where cooperation is key to success. The tasks vary often, and you must be ready for an “unplanned” day.

Skills & Requirements

Your qualifications


  • Min. 5 years of relevant experience
  • Sound understanding of credit risk

  • Elevated level and proven proficiency in Excel/VBA, SQL/SAS/R/Python

  • Proven analytical expertise

  • Fluent in written and spoken English


  • Trustworthy, self-confident, committed, and reliable
  • Highly motivated, assertive, and strong driver
  • Highly analytical mind-set
  • Strong interpersonal and communication skills
  • Highly structured and process oriented
  • Team player with the ability to also work independently


  • Economic University degree

Location: Oslo, Norway

What do we offer?

We offer an exciting job, in a large and growing financial company, with orderly working conditions, where your efforts are of great importance to the company's performance. A perfect balance between your personal and professional life means a lot to us. We believe in the whole person.

Are you interested?

If you have the right profile and enthusiasm and a residence permit in the Nordic region please submit your application and CV as soon as possible. Applications are considered on an ongoing basis. All applications are treated as confidential.

Questions? Feel free to contact Jesper Colliander Kristensen, mail:

[email protected]

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

  • We give back to society

  • Competitive insurance and pension plans

  • 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 1,400 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


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

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

TOver 1400 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

TBanco Santanders historie går mere end 160 år tilbage

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

T1.400 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

TEn Nordisk bank med global styrke

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

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)

T1400 anställda i Norden

TVi servar över 1,6 miljoner kunder

TInnovation är nyckeln till vår framgång

TVi levererar digitala kundupplevelser i framkant

Josephine Ivstam | Contact Person

I'm interested
Santander Consumer Bank Nordics

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