Residual Value Risk Specialist - SCF HQ

Residual Value Risk Specialist - SCF HQ

Country:
Spain

IT STARTS HERE

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. 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 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.

• Work closely with Residual Value risk team in HQ and subsidiaries to help develop and enhance retail decision models and strategies related to asset/residual value risk management.
• Monitor Residual Value portfolios
  , tracking key performance metrics and identifying deviations versus expected outcomes.
• Analyze automotive market trends in Europe (new and used car markets, consumer preferences, technology, regulatory and macroeconomic factors) impacting future residual values.
• Support local Residual Value teams to maintain processes and analytics to set and review residual values for vehicle leasing portfolios.
• Participate in local and Group-level forums related to Residual Value, Risk and Asset Management.
• Liaise with Business and Finance departments and provide independent challenge to commercial proposals and pricing assumptions, ensuring risk-adjusted decisions.

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

• 5–7 years of experience in asset risk management within automotive, leasing or asset-based portfolios in a regulated environment. (Required)
• Demonstrated strong presentation, written, and verbal skills
  . (Required)
• Proven experience as a Specialist or subject matter expert in Residual Value setting, validation and portfolio monitoring. (Preferred)

• Bachelor’s degree in Economics, Statistics, Actuarial Science, Mathematics, Engineering or related fields
  . (Required)
• Postgraduate studies in Finance, Risk Management or Data Analytics. (Preferred)

• Spanish:
  Native/Advanced
  . (Required)
• English:
  Advanced
  , able to work in an international environment. (Required)
• French:
  Intermediate level. (Preferred)

• Strong analytical capabilities applied to residual value forecasting and market risk assessment
  . (Required)
• Ability to make sound, data-driven judgments in uncertain or evolving market conditions. (Required)
• Exposure to analytical tools or data environments (e.g. SAS, SQL, Python). (Preferred)
• Advanced proficiency in Microsoft Office
  , particularly Excel and PowerPoint. (Preferred)

• Ability to act as HQ reference and trusted partner for a local market.
• Strong analytical thinking with the ability to synthesize complex, country-specific information.
• Excellent communication skills
  , with the ability to challenge assumptions and contribute to decision-making.
• High level of ownership and drive
  , with a proactive approach to identifying risks, proposing solutions, and following through to execution.

• We’re enabling our teams to go beyond through global opportunities and broad career paths.
• Flexibility that works. Enjoy a hybrid working model — 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 ()
• Competitive rewards. Receive a highly competitive salary with performance-based bonuses
  , motivating you to keep growing with us.
• Financial…