Head of Credit Card Portfolio Management – Risks

Openbank; Madrid; Presencial; EUR 80.000 - 120.000; Jornada completa

Descripción de la vacante

Openbank seeks a Head of Credit Card Portfolio Management in Madrid, focusing on risk management for its credit card portfolio. The ideal candidate has extensive experience in retail credit management, including analytical skills and a solid understanding of credit risk modeling. This position involves collaborative efforts across functions to ensure profitability and regulatory compliance within a dynamic, growth-oriented digital banking environment.

Servicios

Immediate integration into a dynamic, growing company.

Competitive salary and benefits.

Opportunities for growth within the company.

Formación

• Over 10 years of retail credit management experience, including managing credit card portfolios.
• Strong analytical skills related to profitability and risk KPIs.
• Understanding of IFRS9 credit provisions and European credit market.

Responsabilidades

• Define underwriting policies aligned with business needs.
• Collaborate with risk modeling teams to develop credit risk models.
• Manage risk appetite based on business cases.

Conocimientos

Analytical Skills

Data-Driven Decision Making

Risk Management

Credit Risk Modeling

Educación

Bachelor's degree in Engineering

Bachelor's degree in Statistics

Bachelor's degree in Economics

Bachelor's degree in Management

Herramientas

SQL

Python

Spark

Quicksight

PowerBI

Descripción del empleo

Head of Credit Card Portfolio Management – Risks (Openbank)

Openbank Madrid, Community of Madrid, Spain

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Head of Credit Card Portfolio Management – Risks (Openbank)

Openbank Madrid, Community of Madrid, Spain

Join to apply for the Head of Credit Card Portfolio Management – Risks (Openbank) role at Openbank

Country : Spain

We are the 100% digital bank of the Santander Group, undergoing a technological transformation and international expansion. Since our relaunch in 2017, we have grown continuously, especially in technology. We operate in a start-up format, using agile methodologies to enhance customer experience. In 2019, we launched in the Netherlands, Germany, and Portugal, with more to follow.

Our culture emphasizes social and diversity initiatives, making us unique. We are a flexible, fast-adapting team, mostly working remotely with various communication tools.

Mission and responsibilities

We seek a senior professional currently working in retail credit, specializing in credit cards, for admissions and portfolio management. You will collaborate across functions, regions, and products to develop and monitor the portfolio, ensuring profitability and performance. You will be involved in new initiatives, business improvements, and adapting to regulatory changes.

The ideal candidate will have a comprehensive view of retail credit card management, expertise in defining admission processes, and data-driven decision-making skills balancing risk and profitability. You will lead initiatives for preventative and reactive actions to mitigate credit risk and enhance portfolio profitability.

Main tasks include :

• Defining underwriting and enhancement policies aligned with business needs.
• Collaborating with risk modeling teams to develop credit risk models for admission, fraud prevention, and limits management.
• Managing risk appetite based on business cases.
• Maintaining policies, procedures, and controls.
• Working with stakeholders on project development.
• Optimizing intake processes and controlling risk assumptions.
• Detecting emerging risks and implementing corrective actions.
• Collaborating with recovery teams to address deteriorating receivables.

Requirements

• Over 10 years of retail credit management experience, with at least 4 years managing credit card portfolios, understanding the full customer cycle and balance sheet support.
• Bachelor's degree in engineering, statistics, math, economics, or management.
• Knowledge of IFRS9 credit provisions.
• Strong analytical skills in profitability and risk KPIs, including modeling (cost of credit, VMG, NPL, PD / LGD).
• Experience in the European credit market.
• Understanding of credit and behavioral scoring models for credit cards.
• Proficiency with visualization tools (Quicksight, PowerBI) and programming (SQL, Python, Spark).
• Fluent in English and willing to work in an international environment.

What we offer

• Immediate integration into a dynamic, growing company.
• Start-up mode with Grupo Santander support.
• Competitive salary and benefits.
• Opportunities for growth within the company and group.
• Participation in international projects.
• Excellent work environment with social activities (currently virtual).

Interested in growing with us? Join our team

Openbank is an equal opportunity employer. We consider all applicants equally, regardless of gender, sexual orientation, ethnicity, religion, age, political views, union membership, or disability.

We base our hiring decisions on experience and skills. We value passion for discovery, innovation, simplification, and building.

If you are not currently in Madrid or Valencia but are open to relocating, we welcome your application.

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