Santander
Finance
ResidualValueRiskSpecialist-SCFHQ
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“Residual Value Risk Specialist - SCF HQ at Santander. Skills: Residual Value risk management, asset risk management, automotive market trends analysis, residual value forecasting, market risk assessment. 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”
What You'll Achieve.
help more people and businesses prosper; contribute to help more people and businesses prosper
Industry & Context.
Ability to make sound, data-driven judgments in uncertain or evolving market conditions; Strong analytical thinking with the ability to synthesize complex, country-specific information
What They're Looking For.
Must Have
5–7 years of experience in asset risk management within automotive, leasing or asset-based portfolios in a regulated environment, Demonstrated strong presentation, written, and verbal skills, Bachelor’s degree in Economics, Statistics, Actuarial Science, Mathematics, Engineering or related fields, Spanish: Native/Advanced, English: Advanced, able to work in an international environment, analytical capabilities applied to residual value forecasting and market risk assessment, Ability to make sound, data-driven judgments in uncertain or evolving market conditions
Nice to Have
Proven experience as a Specialist or subject matter expert in Residual Value setting, validation and portfolio monitoring, Postgraduate studies in Finance, Risk Management or Data Analytics, French: Intermediate level, Exposure to analytical tools or data environments (e.g. SAS, SQL, Python), Advanced proficiency in Microsoft Office, particularly Excel and PowerPoint
What You'll Do.
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
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
How You'll Work.
Team & Collaboration
Work closely with Residual Value risk team in HQ and subsidiaries; Participate in local and Group-level forums related to Residual Value, Risk and Asset Management; Liaise with Business and Finance departments
Communication Scope
strong presentation, written, and verbal skills; Excellent communication skills, with the ability to challenge assumptions and contribute to decision-making
Full Job Description
Residual Value Risk Specialist - SCF HQ Country: Spain **IT STARTS HERE** Santander ([www.santander.com](http://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 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. **THE DIFFERENCE YOU MAKE** **Santander Consumer Finance** is looking for a **Residual Value Risk Specialist** based in our Boadilla del Monte (Madrid) office. We’re **shaping the way we work** through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: * 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 fact
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