Portfolio Retail Credit Risk Sr. Analyst

Country: Spain

As a Portfolio Retail Credit Risk Sr. Analyst, your responsibilities will be:

• Retail Risk management enhancement of Local Units in Consumer Lending products.
• Provide support Credit Risk management transformation in all aspects around Consumer Lending, admission (new Data and Decision Models and Channels), customer management, and portfolio strategy growth.
• Participation in Global Projects with particular focus on Consumer Lending: decision model developments, innovation channels, new products, global agreements, portfolio sales, and acquisition.
• Acting as a Consumer Lending Risk counterpart in HQ, coordinating with Commercial HQ / CRM / Finance, etc., when apply.
• Prepare Retail Risk Forum Material including relevant issues for escalation with particular focus on Unsecured Financing products.
• Monitoring the Local execution of the credit risk management according to corporate criteria, operational models, and risk management.
• Perform Unit analysis and management integration with budgets/targets.
• Identify strengths and weaknesses of units' capacities in his scope for retail portfolios management.
• Coordinate Corporate Policies implementation with particular focus on Unsecured Financing products 
• Increase predictability and transparency of the Credit Risk Portfolios

EXPERIENCE

• +4 years of experience in Retail Risk management, with strong experience in Consumer Finance with focusing on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving).
• Proven experience in Scorecards, Decision Models/Strategies, and decision processes for Consumer Financing products through different channels: Branches, Brokers, digital lending, On-line Sales platforms, Portals, Banks’ cooperations, etc.)
• Deep knowledge and understanding of risks metrics regarding Retail products (including but not limited to: Data sources, Scorecards, Admission Process, Portfolio management, Provision, Budget, etc.) with particular focus on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving)
• Good capacity for planning and managing priorities.
• Good management skills to deal with HQ team and Local counterparties
• Ability to build good executive presentations
• Accounting fundamentals

EDUCATION

• Bachelor of Economics / Statistics / Mathematics / Sciences / Engineering required.
• Master, Postgraduate is desired.

SKILLS & KNOWLEDGE

• Advanced level of Office Package required.
• Native/Advanced level of English and Spanish level is required.

OTHER INFORMATION

• Availability to travel is desired.

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