Risk MI Specialist / Senior Risk MI Specialist

Do you want to be part of a highly diverse international team working together to deliver on IFRS9 loan loss information? We are looking for you if you have an analytical mindset, take initiative and enjoy working in collaboration with others. Our team performs in a highly integrated environment preparing risk reporting for a broad range of stakeholders. We excel at working with data and analytics to provide insight into our bank’s risk and opportunities. We are looking for a well-rounded individual to join us whom has worked with reporting before and has experience in working with documenting the finer points of applying IFRS9.

The Risk Management Information Specialist is a role in the Enterprise Risk Management department. You will be working in a vital area supporting Santander's risk strategy where your daily job will involve collaboration with many departments across Santander such as Finance, Collections, Data, IT and our counterparts in Santander Headquarters.

Our team works together on using data analysis to support business and helping them incorporate implications of IFRS9 loan losses into their goals. Key deliverables from us include reliable budgeting and forecasting across the Nordic countries on an ongoing basis whether it be monthly, quarterly, annually or ad hoc reporting or analysis. Data is key in our work as it is an essential part of all risk processes to identify, measure, mitigate and manage risks inherent to our core business activities.

Main activities

• Performing data mining/extraction (on a daily basis or regularly) and analytics to problem solve, understand closing results and improve forecasting capabilities while using BI tools for results visualization, reporting improvements and automation.
• Delivering on process improvements towards common, documented, best practice ways of working with our various stakeholders in the company (current development on transitioning report/processes to Python).
• Performing monthly reports, processes and analysis for loan losses across a mix of products and/or countries.
• Working together with Risk and Business Units in driving change processes for improvements, harmonization and regulatory updates.
• Implementing updates to internal policies and upkeeping documentation for reporting and accounting decisions related to loan losses (e.g. accounting memos).
• Application ownership and data steward for BAU and change management activities.

Your qualifications and experience:

• Minimum 3-4 years of experience in the financial industry within Risk, Analytics or Finance.
• Intermediate programming skills (SAS/SQL/Python) and strong excel skills (Power BI is a plus).
• Experience working with and analysing IFRS9 in relation to loan losses. Creating supporting IFRS accounting memos to support post model adjustments is a plus.
• A record of creating budgeting and forecasting processes in the financial industry is a plus (understanding of credit risk fundamentals is key and internal controls work is an advantage).
• Master’s or Bachelor Degree in Business, Finance, Mathematics, Engineering, Computer Science or related fields.

Skills and personal traits required to succeed:

• Comfortable working independently and in teams, combining lead vs support roles.
• Strong problem-solving competence.
• Curious, with attention to detail and taking pride in delivering at a high-quality level.
• Organized, structured and able to execute on the plans and tasks given.
• Flexible and service oriented in terms of going the extra mile when required.

We offer

• Working in a global company that delivers great results, with high ambition where you can develop a lifelong career path.
• Joining a team with a high level of diversity and a multi-cultural working environment.
• A working culture that is informal, but at the same time professional and dynamic, with the opportunity to make an impact.
• A place in our improvement-focused team where we are currently on a journey towards harmonised processes across 4 markets.
• Flexi-work policy
• Many active sports arrangements and other social events.

The position is based in any of the four Nordic countries (and requires a valid work permit in Norway, Sweden, Finland or Denmark to apply). Limited travel within the Nordic countries may be required.

For more information about the position, contact Javier Fonseca, Risk MI Leader; tel +358 504 339 182 or e-mail: Javier.Fonseca[AT]santanderconsumer.fi