Cash Management Liquidity Product Analyst

Cash Management Liquidity Product Analyst

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.

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.

SCIB - GTB Cash Management is looking for a Cash Management Liquidity Product Analyst based out of Boadilla del Monte office (Madrid).

As a Cash Management Liquidity Product Analyst, you will drive the management of the SCIB Cash Management liquidity business. The role focuses on Liquidity portfolio management (analyzing and optimizing liquidity positions), product development, liquidity pricing strategies optimization, regulatory metrics control, evolving regulatory GTB models, while providing analytical support to the GTB Liquidity responsible.

The analyst works closely with Sales, Alco, Payments teams, Risks teams and supporting senior team members on the Cash Management activity.

We are looking for someone willing to join a dynamic team, with skills to interact with different stakeholders (functional and international) to take ownership of the tasks assigned.

Key Responsibilities:

• Product Development:
  Support senior team members on the Liquidity product development road map (Assist and participate on product initiatives)
• Risk management:
  
  Monitor interest rate, credit, liquidity, and concentration risks within the liquidity portfolio
• Drive pricing strategy and execution of Liquidity instruments (depos, NMDs, etc)
• Support strategic funding plans and diversification of funding sources.
• Portfolio management: portfolio analysis identifying risks & opportunities, forecasting inflows/outflows, analysis and reporting to senior management on liquidity positions, funding costs & market developments, etc
• Data, Analytics: define dashboards and analytics to track liquidity trends, cash usage, and market conditions
• Assist in the enhancement of liquidity tools and reporting automation (Python, Excel, BI tools).
• Building and maintaining collaborative working relationships within internal stakeholders (coordinate with Front Office, Treasury, Finance, Risk, Regulatory Reporting, and Operations)
• Commitment to achieve team and personal goals

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We're enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience

• 1-3 years Cash Management background

Education

• Bachelor's / Master's Degree

Languages

• Proficiency in Spanish and English (Required)

Hard Skills

• Expert in computer tools (Excel & Power Point)
• Experience with data management and AI tools.
• Ability to interpret balance sheet, funding plans
• Experience with liquidity modelling, cash-flow forecasting, and treasury systems (e.g., Murex, Bloomberg) (Preferred)

Soft Skills

• Strong communication and execution skills
• Excellent analytical and problem-solving abilities
• Skills to interact with different stakeholders (functional and international)
• Commitment to achieve team and personal goals

Your contribution matters, and it's recognized. You can expect a fair, competitive reward package that…