SR. ANALYST/ASSOCIATE STRUCTURED RECEIVABLES

Banco Santander SA; España; Híbrido; EUR 70.000 - 100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid work model

BeHealthy wellness program

Childcare support

Santander Contigo services

Meal subsidy

Parking and shuttle Madrid

Descripción de la vacante

Santander Corporate & Investment Banking seeks a Senior Analyst/Associate in Spain to structure and execute complex trade receivables transactions. You will support risk approvals, negotiate documentation, and coordinate with brokers and insurers while contributing to new product development.

Required are 3+ years in trade receivables, experience in investment banking, and degrees in Economics/Finance/Engineering/Math. Bilingual Spanish/English is essential; a third language is a plus.

Formación

• Experience (3 years+) in trade receivables portfolio analysis and credit underwriting.
• Education in Economics, Finance, Engineering, Mathematics or related fields (Required).
• Fluent in Spanish and English; knowledge of a third language preferred.

Responsabilidades

• Structuring and executing structured trade receivables transactions globally.
• Structuring and execution of trades across geographies with focus on diversified portfolio risk.
• Support on risk approvals, negotiate legal documentation with stakeholders, and liaise with brokers and insurers.
• Develop new products in a fast-paced environment within the trade receivables franchise.
• Engage with Private Equity firms on strategic projects, owning origination, structuring and execution.

Conocimientos

Trade receivables analysis

Credit underwriting

Financial modeling

Educación

Economics

Finance

Engineering

Mathematics

Descripción del empleo

SR. ANALYST/ASSOCIATE STRUCTURED RECEIVABLES Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale products to best meet their needs.

THE DIFFERENCE YOU MAKE

SCIB s looking for a SR. ANALYST/ASSOCIATE STRUCTURED RECEIVABLES based out of Boadilla (Madrid).

• Structuring and executing structured trade receivables transactions (and other trade-related assets) globally
• Structuring and execution of structured trade receivables deals across all geographies with the focus on diversified portfolio of trade receivables using different mechanisms and models to mitigate portfolio risk.
• Business origination: assist in the origination of structured trade receivables transactions across different countries.
• Support on the approval process with the risk department, negotiation of the legal documentation with all the different stakeholders and communication with brokers and insurance companies.
• New product development in a fast path-work environment within our trade receivables franchise.
• Support on strategic projects within the investment franchise by managing dialogue with Private Equity firms, including full ownership on the origination, structuring and execution of the underlying transactions.

WHAT YOU’LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization.

Professional Experience

• Experience (3 years+) in trade receivables portfolio analysis, experience in the insurance industry, credit underwriting and a solid understanding of trade credit insurance policies desirable, including documented track record of structuring these transactions from an investment banking background.(Required)

Education

• Economics, Finance, Engineering, Mathematics or other related degrees (Required)

Languages

• Spanish, English. (Required) Knowledge of a third language will be positively valued (Preferred)

Hard Skills

• Knowledge of trade receivables products, IFRS/US GAAP accounting treatment, insurance market, securitization documentation.
• Strong analytical and financial modeling skills (including cash flow modeling and data analysis) and excellent knowledge of applicable regulatory framework will be valued.

WE VALUE YOUR IMPACT

Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We’re enable our teams to go beyond through global opportunities and broad career paths. Flexibility that works. Enjoy a hybrid working models—some days remote, some days onsite with your team—along with flexible hours. Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com)

• Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.
• Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.
• Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing.
• We know family is everything. That’s why we offer childcare support and family-friendly programmes tailored to each life stage.
• Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.
• Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees.
• And that’s only the beginning—we’ll tell you more when you join!

LOCAL COMPLIANCE

Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.

#SCIB The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.