Senior Risk Data Scientist - SCF

Santander; Comunidad Valenciana; Presencial; EUR 40.000 - 80.000; Jornada completa

Descripción de la vacante

An established industry player is seeking a Senior Risk Data Scientist to lead initiatives in credit risk decision-making. In this pivotal role, you will co-lead the development of credit risk strategies and frameworks, ensuring alignment with organizational goals. You will work with cutting-edge technologies and collaborate with cross-country teams to enhance risk management practices. This is a fantastic opportunity to thrive in a dynamic environment, where your analytical skills and expertise in credit risk assessment will drive impactful decisions. Join a forward-thinking team dedicated to fostering growth and innovation in the financial sector.

Formación

• Experience with credit risk-decisioning systems in financial services.
• Strong skills in quantitative and qualitative analysis.

Responsabilidades

• Lead credit risk decisioning ecosystem and maintain risk strategies.
• Develop and implement credit risk frameworks aligned with objectives.

Conocimientos

Credit Risk Assessment

Analytical Skills

Python

Java

SQL

ETL Processes

AWS Technology

Self-organization

Educación

Bachelor/Master of Science in Engineering

Bachelor/Master of Computer Science

Bachelor/Master in Economics

Bachelor/Master in Finance

Bachelor/Master in Maths

Bachelor/Master in Statistics/Actuary

Herramientas

Provenir

PostgreSQL

MySQL

MSSQL

IBM

Oracle

Descripción del empleo

Senior Risk Data Scientist - SCF
Country: Spain

Santander Consumer Finance is looking for a Senior Risk Data Scientist based in our Boadilla del Monte office.

WHY YOU SHOULD CONSIDER THIS OPPORTUNITY

At Santander, we are key players in the transformation of the financial sector. Do you want to join us?

Santander Consumer Finance focuses on business development related to consumer finance products, sales channels, and commercial agreements with dealers, vehicle manufacturers, or retail distribution establishments, as well as commercial functions associated with direct sales (branches, call centers, or digital channels) and indirect sales (through third parties) of consumer finance products.

Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture, and disability. Our mission is to contribute to help more people and businesses prosper.

WHAT YOU WILL BE DOING

As a Senior Risk Data Scientist, you will be engaged in:

1. Co-Leading of core-banking credit risk-decisioning ecosystem – Provenir risk engine, database, and analytical environments.
2. Co-Leading of parameterization and maintenance of the risk decision strategy for the different portfolios at SCF Santander countries.
3. Development and implementation of credit risk strategies and frameworks aligned with organizational objectives.
4. Leading technological projects that impact on Credit Risk Decision Strategy and Statistical Analysis Department.
5. Leading automated monitoring processes covering end-to-end admission process - Provenir risk engine system, data, and decision strategies accuracy (scorecards, credit risk policies, decision trees, etc.).
6. Building regular risk admission reports and presenting these to the internal customers.
7. Participation in design, development, and management of relational risk databases and data marts based on automated ETL processes.
8. Participation in implementation and oversight of credit risk API-based processes (counteroffer, pricing, online behavioral scoring, PSD-based processes).
9. Execution of SIT and UAT tests (unit, mass tests) including debugging analysis and conclusions based on test results according to Santander standards.
10. Collaboration with the cross-country teams to ensure risk management practices are integrated effectively through the Santander organization.
11. Support the team members, projects we focus on, and the concept of One Team, One Spirit, One Goal.

EXPERIENCE

• Years of professional experience working with credit risk-decisioning systems and credit risk admission processes in the financial services industry.

Strong credit risk assessment skills with a focus on credit risk admission processes.

Strong quantitative and qualitative analytical skills.

Excellent command of specific software like Python, Java, and SQL.

Experience with relational databases and ETL processes.

Professional experience in AWS technology is an added asset.

You thrive in a dynamic team and enjoy sharing knowledge and learning from others.

Self-organization competencies are important for this position.

EDUCATION

Bachelor/Master of Science in Engineering or Bachelor/Master of Computer Science.

Bachelor/Master in Economics, Finance, Maths, Statistics/Actuary are desired.

You have the willingness to continuously learn, stay open to feedback, and develop yourself on both the professional and the personal levels.

SKILLS & KNOWLEDGE

Decision Engines Systems: Provenir, Modelica, Power Curve, or others.

Database: PostgreSQL, MySQL, MSSQL, IBM, Oracle, or others.

Comfortable in handling analytical tools/software on AWS platform.

Analytical mindset and demonstrated ability to creatively solve business problems.

Software development and web services technology are an added asset.

Result-driven through collaboration and a proactive attitude.