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Risk Branch Manager - Germany (Openbank)

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Santander

Jan 15

  • Job
    Full-time
    Senior Level
  • Banking & Finance
  • Madrid
  • Quick Apply

AI generated summary

  • You need 6-8 years in retail credit management, a relevant degree, knowledge of credit regulations, IFRS9, SQL, R, and visualization tools, plus fluency in German and English.
  • You will manage credit portfolios, define underwriting policies, collaborate on risk models, monitor appetite, enforce controls, streamline processes, and identify new risks with action plans.

Requirements

  • 6 to 8 years of experience in retail credit management.
  • A bachelor's degree in an quantitative/analytical field, such as engineering, statistics, math, economics, or management.
  • Knowledge of European credit regulations.
  • Knowledge on IFRS9 credit provisions.
  • Analytical skills on main profitability and risk KPIs (cost of credit, VMG, NPL, PD/LGD).
  • SQL Capabilities.
  • Knowledge of SQL, R, Python, and/or other data analysis tools.
  • Experience in the European credit market.
  • Understanding of credit scoring and behavioral scoring models, especially for credit products portfolios.
  • Experience with visualization tools (Quicksight, PoweBI..).
  • German native and a very good command of English language and willing to work in an international environment.

Responsibilities

  • Portfolio manager of the different retail credit portfolios of the Openbank German Branch
  • Define short- and long-term underwriting and enhancement policies based on portfolio and business requirements.
  • Work with Risk Modeling team to design, develop and implement credit risk models both for admission, fraud prevention and for active limits management.
  • Monitor German Branch risk appetite.
  • Maintain key policies, procedures, and controls applied to the German Branch.
  • Collaboration with key stakeholders in project development
  • Efficient intake processes and portfolio performance by controlling risk assumption.
  • Detect new risks (financial and non-financial) that may affect the German Branch and define and implement action plans.

FAQs

What is the primary location for the Risk Branch Manager position?

The primary location for the Risk Branch Manager position is Frankfurt, Germany.

What kind of background do I need to apply for this role?

You will need 6 to 8 years of experience in retail credit management and a bachelor's degree in a quantitative/analytical field, such as engineering, statistics, math, economics, or management.

Is knowledge of European credit regulations necessary for this position?

Yes, knowledge of European credit regulations is required.

What specific skills are expected from applicants regarding data analysis?

Applicants should have SQL capabilities and knowledge of analytical tools such as R, Python, and experience with visualization tools like Quicksight or PowerBI.

Will I be involved in international projects?

Yes, there will be opportunities to collaborate on international projects and have contact with different countries.

What kind of benefits does Openbank offer?

Openbank offers competitive remuneration, an attractive benefits package, opportunities for growth within the company, and an excellent work environment with social clubs and frequent events.

What is the company culture like at Openbank?

Openbank has a dynamic and agile company culture, focused on innovation and growth, supported by Grupo Santander.

Are there opportunities for professional growth in this role?

Yes, there are possibilities for growth within the company and the larger Santander Group.

Is proficiency in German a requirement for this position?

Yes, being a native German speaker with a very good command of the English language is required.

Does Openbank support diversity and inclusion in its hiring process?

Yes, Openbank is an equal opportunity employer and considers all applicants without regard to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership, or disability status.

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Santander

Here to help you prosper

Finance
Industry
10,001+
Employees
1857
Founded Year

Mission & Purpose

Santander is a leading global bank, founded in 1857 and headquartered in Spain, and is one of the largest banks in the world by market capitalisation. It provides a wide range of financial products and services, including personal and corporate banking, wealth management, and insurance. With a strong presence in Europe, Latin America, North America, and Asia, Santander's mission is to help people and businesses prosper by offering customer-centric solutions. Its purpose is to support growth and innovation while fostering responsible banking practices to benefit individuals, businesses, and communities.