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Temporary Back Office Associate

Temporary Back Office Associate, Santander Consumer Bank

Santander Consumer Bank er en del af Europas største finanskoncern og er i gang med en rivende udvikling på det danske marked. Vi tilbyder en tidsbegrænset 37 timers vikarstilling fra 1 september 2022 og frem til 28 februar 2023, i et spændende og udfordrende miljø med gode og dygtige kolleger. Der er tale om et job, der giver dig god mulighed for faglig og personlig udvikling i en dynamisk virksomhed.

Jobbet

Du vil som Back Office Associate have daglig kontakt til vores autoforhandlere og slutkunder, både skriftligt og telefonisk. Du vil indgå i et team på 12 kolleger, hvor vi sammen skal komme i mål med dagens deadlines. Back Office er en del af Operations. Du vil opleve et tæt og tværgående samarbejde mellem afdelingerne i Operations. Du vil blive oplært af en af din kollegaer, så du kommer godt ind i dit daglige arbejde.

Dine opgaver bliver blandt andet:

  • Daglig servicering af forhandlere, partnere og slutkunder telefonisk og skriftligt ved forespørgsler
  • Daglig håndtering af ansøgninger og behandling af mailkorrespondance på indlånskonti
  • Behandling og afregning til forhandlere og privatkunder af daglige indkomne kontrakter
  • Deltage i afdelingens andre ad hoc-opgaver

Dine kvalifikationer

Faglige:

  • Du har minimum 3 års erhvervserfaring, måske en kontorfaglige baggrund
  • Har erfaring med at servicere kunden igennem telefon og mail
  • Superbruger af MS Office
  • God talforståelse og gode kommunikationsevner
  • Du kan bidrage med optimeringer og flair for brug af systemer.

Personlige:

  • Drivkraft og motivation til at yde en fantastisk service
  • Trives med forandringer, et højt tempo og har et personligt overskud til at gå forrest
  • Du er struktureret og trives med at have gentagende opgaver med lyst til at få sagerne behandlet hurtigt og præcist
  • Du er teamplayer og deltager aktivt gennem dit engagement og evne til at gå i dialog med andre
  • Af natur glad, positiv og smilende

Hvad tilbyder vi?

Vi tilbyder et spændende job, i en stor og voksende finansvirksomhed, med ordnede arbejdsforhold, hvor din indsats har stor betydning for virksomhedens resultat. Ydermere tilbydes du pensionsordning, sundhedssikring, tandlægeforsikring og et godt introduktionsforløb.

Er du interesseret?

Har du den rette profil, vilje og entusiasme, bedes du sende din ansøgning og cv via linket.

Du er velkommen til at kontakte Mona Ridder på tlf. 6037 6878, hvis du har spørgsmål til stillingen.

Jobbet ønskes besat 01-09-2022, så vi opfordrer derfor til, at du sender din ansøgning hurtigst muligt. Alle ansøgninger behandles fortroligt.

Lue lisää ja hae

Head of Late Collection

Nordic Collections is independent business unit in Santander Consumer Bank AS and functionally divided into five different areas: Massive Collections / Late Collections / Remarketing / Execution / Analytics. Massive Collections consists of significant volumes and activities performed with high pace, and it is bank’s first activity related to delinquent customers. Late Collections primarily focuses on management of terminated contracts and legal collection activities including repossession of vehicles, while Remarketing area is responsible for divestment of foreclosed assets. Execution is our internal team of professionals managing bank’s delinquent customers individually, seeking resolutions for financial difficulties. Analytics supports and initiates activities performed by other areas and drives the overall performance of Collections BU.

We are looking for a Head of Late Collection to join our Nordic Collections Business Unit (CBU). You will be accounted responsible for the Late Collections and report to Nordic Collection Director. You will have driver’s view into portfolio management, assisted and executed by efficient team of dedicated specialists reporting to you, and how it connects to the financial results of the bank. Close collaboration with key stakeholders in other units and HQ in Madrid broadens the scope of daily work.

This position can be located in one of our Nordic location (Lysaker, Hvidore, Solna or Helsinki) and it requires frequent travelling.

We offer wide variety of interesting challenges and opportunities to develop both business and yourself in our international atmosphere, together with competitive employment advantages.

Areas of responsibility / Role description:

  • Steer, control and drive for results having a cross unit perspective.
  • Launch and follow-up Collection initiatives & projects.
  • Perform Governance & coordination with other Functions such as Risk, IT, Finance etc.
  • Setting and tracking incentives within the local units.
  • Responsible for the standards required by Audit and Compliance.
  • Control of Cost, Expenses and Revenues.

Your main deliveries in this position will be positively impact into the bank’s P&L by improving Collections KPIs.

Lue lisää ja hae

Sales Consultant Leasing

Santander söker Handläggare till Leasing-teamet

Leasing-teamet hanterar kontakt med slutkunder, återförsäljare och partners via telefon och mail samt administration gällande Finansiell Leasing och Privatleasing.

I rollen ingå r :

  • Telefon- och mailsupport till slutkunder, återförsäljare och partners gällande Privatleasing samt Finansiell Leasing - från uppstart till avslut.
  • Övrig administration såsom hantering av försäkringsärenden, service, överlåtelser samt rapportering mm.
  • Formaliahantering och uppstart av Privatleasing-kontrakt.

Lue lisää ja hae

Cyber & Technology Risk Control Lead

Er du ekspert på nettsikkerhet og teknologirisiko? Ønsker du en nordisk rolle med ansvar for overvåking og kontroll av rammeverket for cyber- og teknologirisiko? I så fall er dette en strålende jobbmulighet for deg!

Santander Group tar i bruk NIST-standardene for styring av cybersikkerhet, på tvers av 5 nøkkeldomener definert i rammeverket. Rollen som Cyber ​​& Technology Risk Control Lead inngår i 2. forsvarslinje i styringsmodellen «tre forsvarslinjer». I denne rollen vil du få ansvar for tilsyn og kontroll av cyber- og teknologirisiko som definert, samt initiativer som styrker Santanders robusthet innen cybersikkerhet i Norden.

Som Cyber & Technology Risk Control Lead vil du fokusere på:

  • Sikre gjennomføring av risikokontroller og tematiske risikoevalueringsprosesser for cyber- og teknologirisiko, samt kontrollere resultatene fra alle nordiske enheter på tvers av 1. og 2. forsvarslinje
  • Sørge for kontinuerlig tilsyn av indikatorer for cyber- og teknologirisiko for å sikre effektiv styring av cyber- og teknologirisiko i 1. forsvarslinje
  • Holde tilsyn med og kontroll over retningslinjer og prosedyrer for teknologi- og cybersikkerhetsrisiko via avtalte styringsprosesser
  • Kvalitetssikre og utfordre alle dokumenter og rapporter relatert til cyber- og teknologirisiko før sending til toppledelsen
  • Oversikt over alle IT-initiativer for cybersikkerhet og IA-anbefalinger knyttet til teknologi og cyberrisiko
  • Fremme og kommunisere cyber- og teknologirelatert risikovurdering i tråd med behovet for å beskytte institusjonen ved hjelp av et robust kontrollmiljø og overvåkig av cyber- og teknologirisiko
  • Samarbeid med relevante interessenter, gi opplæring og bidra til økt bevissthet om cyberrisikovurdering, cyberrisikokontroll og utbedring for å sikre konsistent informasjon og støtte for utviklingen av en god cybersikkerhetskultur
  • Eskalere til ledelsen ved bekymring om brudd på definerte grenser for bedriftens risikovilje og strategi fra et teknologi- og cyberkontroll perspektiv
  • Lede eller delta i utvikling og implementering av tiltak innen ikke-finansiell risiko ved behov

Lue lisää ja hae

Agile Coach

Change Methodology is the department driving Santander Nordics Agile transformation and Center of Excellence for Agile and Change Management. We need additional hands-on deck to help us with the ongoing journey.

Agile Coach
Agile Coaches are principally responsible for training teams in the Bank’s Agile methodology and guiding and overseeing the development of Agile teams to ensure effective outcomes for the organization. They are responsible for guiding teams through the implementation process and are tasked with encouraging workers and leadership to embrace the Agile practices and culture. The Agile Coach’s goal is to arm Agile teams with the right knowledge, tools and training so that they’ll be able to use Agile to its full potential. This requires strong focus on driving continuous improvement.

This position is open for all locations in the Nordics : Lysaker in Norway, Solna in Sweden, Hvidovre in Denmark and Helsinki in Finland.

  • Supporting Agile Ways of Working implementation: Working in close dialogue with the Change Methodology Leader and Methods Specialist, support teams with the implementation and adoption of Agile based ways of working, practices and tools
  • Guidance and training: On an ongoing basis, guide, coach and train teams on our Agile-based ways of working, embracing the «servant leadership» ethos, in order to enable teams to extract maximum learning and value. A key component of the role will be to guide and support teams in pursuing continuous improvements
  • Agile cultural ambassadorship: Agile Coaches will act as ambassadors in guiding the organization and teams as to cultural shifts required to ensure the adoption of Agile practices and to extract sustainable value. A key requirement of the role is the establishment and cultivation of effective working relationships across all functions of the Bank. The Agile coach acts as a business partner by engaging and involving with the teams to ensure that the agreed model is implemented and improved.

Responsibilities:

  • Driving and supporting Agile Ways of Working implementation for the whole organisation
  • Guidance and training - On an ongoing basis, guide, coach and train teams on our Agile-based ways of working, practices and tools
  • Initiating, supporting and coaching Value Teams (business Agile teams)
  • Developing and improving an Agile training plan and providing Agile training in collaboration with HR (DOJO) and external vendors
  • Providing training/workshops on backlog management, refinement of EPICs, features++
  • Supporting Agile Release Trains and Coaching STE/RTE in PI planning and preparation
  • Facilitating workshops & retros as needed

Lue lisää ja hae

Market and Liquidity Risk Leader

Vi er på jakt etter en erfaren risk manager som vil få ansvar for å lede Markets- og Likviditets-risiko-teamet, og samtidig videreutvikle området som stadig er i endring.

Teamet for Markets- og Likviditets-risiko er ansvarlige for å definere rammeverket, monitorering, måling og kontroll av følgende risiko for likviditet, renter, valuta, markeds og motpartsrisiko, i tillegg til verdsettelse av finansielle instrumenter og «valuation adjustments» (xVA). Utover dette har teamet en viktig rolle i bankens ABS-program (verdipapiriseringer av billån) gjennom datauttrekk, identifisering av portefølje som skal verdipapiriseres og rapportering til investor. Teamet er en nordisk funksjon som dekker Santanders virksomhet i alle de 4 landene vi opererer i.

Som manager for området vil du fokusere på:

  • Forstå det regulatoriske landskapet vi opererer innenfor (BIS, CRR/CRDIV, EBA retningslinjer, lokal norsk lovgivning), i tillegg til å forutse nye regulatoriske krav som kommer og kunne koble dette mot bankens risikoeksponering gjennom analyser
  • Sikre at banken til enhver tid etterlever gjeldende reguleringer gjennom overvåking av risikoindikatorer, men samtidig ivareta et effektivt kontrollrammeverk for å kunne understøtte kommersielle, strategiske initiativer
  • Data og datakvalitet som benyttes til beregning og rapportering av risiko
  • Kontinuerlig forbedre og automatisere rapportering og analyse
  • Sikre god governance inkludert policies, guidelines og etablering av risikoappetitt og risikorammeverk
  • Hjelpe og understøtte utvikling av en risikokultur i organisasjonen som dekker alle typer av markeds og likviditetsrisiko

Du vil lede et team på fem analytikere. Ditt bidrag som leder inn mot teamet er sentralt for at du og teamet lykkes gjennom at du sikrer en god arbeidsflyt på tvers av teamet, synliggjør behov innad i gruppen men også eksternt, og at du som leder også evner å være med å støtte og videreutvikle den enkelte medarbeider på teamet slik at gruppen er godt rustet mot de utfordringen og arbeidsoppgavene som ligger foran oss. Du må ha gode evner både for å tenke strategisk og langsiktig, men samtidig kunne ta raske beslutninger knyttet til problemstillinger med kort frist. Du vil jobbe tett mot Treasury, Capital Markets, Financial Control og Capital Management så vel som morselskapet i Madrid, med engelsk som arbeidsspråk.

Market og Capital Risk er del av Risk-divisjonen som er en sentral del av banken med over 110 ansatte.

Lue lisää ja hae

Operation Controller med fokus på afstemning af registreringsafgift

Santander Consumer Bank er en del af Europas største finanskoncern og er i gang med en rivende udvikling på det danske marked. Vi tilbyder en stilling i et spændende og udfordrende miljø med gode og dygtige kolleger. Der er tale om et job, der giver dig god mulighed for faglig og personlig udvikling i en dynamisk virksomhed.

Jobbet

Vi søger en Operation Controller, der har evnen og de rette kvalifikationer til at indgå i et team på 12 kollegaer, hvor vi sammen har ansvaret for support- og backoffice opgaver for leasingområdet. Du vil få en alsidig hverdag, hvor dine primære ansvarsområder bl.a. indeholder:

Ansvarsområder

  • Bogføring af registreringsafgift på person-og varebiler

  • Fakturering af registreringsafgift ved genberegning o. lign.

  • Afstemning af diverse registreringsafgiftskonti

  • Optimere og kvalitetssikre processerne ovenfor

  • Dialog med Motor i forbindelse med afstemninger

  • Support på diverse back-office opgaver

Dine kvalifikationer

Faglige:

  • Du kan have en baggrund inden for back-office, revision, økonomi/controlling, regnskab eller lignende

  • Gerne erfaring fra leasingbranchen fra tilsvarende position

  • Gerne erfaring med fuld og forholdsmæssig registreringsafgift

  • Kendskab til både operationelle og finansielle leasingaftaler

Personlige:

  • Du har flair for tal og sætter kvalitet over kvantitet

  • Du er en teamplayer og deltager aktivt i, at både teamet og du selv når i mål

  • Erfaring med MS Office og Excel og flair for IT-systemer

  • Taler og skriver flydende dansk (daglig kontakt med samarbejds-partnere i Danmark)

  • Taler og forstår engelsk (virksomhedssprog)

  • Du er proaktiv og er god til at se mulige forbedringer i processer

Hvad tilbyder vi?

Vi tilbyder et spændende job i en stor og voksende finansvirksomhed med ordnede arbejdsforhold, hvor din indsats har stor betydning for virksomhedens resultat. Ydermere tilbydes du pensionsordning, sundhedssikring og et godt introduktionsforløb.

Er du interesseret?

Har du den rette profil, vilje og entusiasme, bedes du uploade din skriftlige ansøgning med relevant CV.

Har du spørgsmål til stillingen, kan du kontakte rekrutterende leder Brian Miltoft på brian.miltoft@santanderconsumer.dk – eller på telefon 3133 1023.

Jobbet ønskes besat hurtigst muligt, så vi opfordrer derfor til, at du sender din ansøgning snarest muligt og senest den 21. august 2022. Alle ansøgninger behandles fortroligt, og vi holder samtaler løbende.

Lue lisää ja hae

Content Marketing Manager and Web Editor

Do you have an interest in content marketing & digital presence, and is Norwegian your primary language?

Then you should take closer look at this job, where you will be planning, developing, and executing on our Content strategy across channels and products.

You will strengthen the communication in our digital channels with relevant and high-quality content and build brand and credibility together with your colleagues in the marketing team.

As a part of the Nordic marketing team, you will align and help to develop our digital ecosystem both in Norway and in the Nordics to be able to implement and execute on our marketing strategy.

Main task and responsibilities

As Content Marketing Manager & Web Editor you will develop, implement, and optimize campaigns and content in all Santander owned channels.

The tasks will include, but not be limited to the following:

  • Editor of Santander.no, Netbank, Magazine and mobile apps

  • Responsible for our Norwegian Content hub (Magasinet) – planning, production, and optimization

  • Together with CRM develop content for their Care program and work closely with the digital team implementing SEO initiatives

  • Vendor management

  • Plan, develop and execute on our Content strategy across channels and products

  • Align and help develop our digital ecosystem both locally and in the Nordics to be able to implement and execute on our digital strategy

  • Strengthen communication in our digital channels with relevant and high-quality content

  • Operational planning and execution in tight collaboration with Local and Nordic peers

  • Improve organic traffic to sites and apps regarding content, design, layout, and SEO

  • Coordination with legal & compliance to secure alignment with regulations on marketing material and customer communication

Personal Characteristics

You must have passion for branding, customer communication and marketing to understand best practice within the field. Ability to change and have curiosity to be open for doing things differently to achieve more is a key element in the daily business. A positive mindset and strong verbal and written competence in Norwegian as well as English is a necessity in this role, to be able to use language as an important tool of getting the message out in the right, responsible and efficient way.

Competencies and Skills

  • Strong in stakeholder- and project management

  • Good communication skills

  • Experience with digital marketing, SEO and social media

  • Strong understanding of customer journeys and communication touch points

Preferred Experience & Education

  • University degree within the field of communications or marketing

  • Min. 3 years of experience from marketing department in the Financial industry or equivalent (e.g., insurance, subscription-based services etc.) is preferred.

  • Proven track record of executing campaigns in Norwegian

  • Experience with social media strategy and communication

  • Experience with content management systems e.g. Epi/Optimizely or the like

We offer

  • An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing

  • A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future

  • Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordics

The position can be based in Lysaker or Stavanger

Interested?

If you have the right profile and enthusiasm, please submit your application and CV in Norwegian or English as soon as possible. Applications are considered on an ongoing basis.

If any questions feel free to contact Content Marketing & Sponsorship Leader, Sune Mejding

Lue lisää ja hae

Hybrid Cloud Specialist/Azure engineer

Hybrid Cloud Specialist/Azure engineer at Santander Nordic

Do you want to work in an organization that strives for excellence in everything it does, where you and your colleagues get to improve the experience for our customers every day by working with the latest in tech? Did you ever wonder what working in banking is like? Well, you’re in luck because we are recruiting. Go ahead and sate your curiosity by applying to the vacancy as Hybrid Cloud Specialist/Azure engineer at Santander Nordic today.

What’s it all about?

As a Hybrid Cloud Specialist/Azure engineer, you will be working together with architects and developers to implement all the cool stuff we have in our roadmap, where your primary responsibility will be infrastructure. As we are a lazy bunch and hate doing tasks more times than we absolutely have to, everything is deployed through code that we can reuse over and over again. Don’t worry though, there will be opportunity to get your hands dirty as things do break from time to time and it will be up to you and your colleagues to get it working again.

What can we offer you?

  • To be a part of Santander Nordic Cloud Center of Excellence team consisting of highly professional engineers and architects. The team spirit is friendly, non-competitive and with a clear consensus on the fact that no one can be an absolute expert at everything and that each individual with their unique skills and experience is the very foundation of team success
  • The opportunity to work with the very latest concepts offered in public cloud and a bit of the old stuff as well
  • A demanding, high velocity, but also very rewarding environment, where you will feel that your contributions really matter
  • Daily dad jokes

We offer an interesting role in a forward thinking and exciting company where you will collaborate with great colleagues across our Nordic borders. We FlexiWork. Our work environment is open and inclusive and there are great development opportunities. We are a learning organization and encourage your personal growth. We have good pension and insurance plans along with other great employee benefits. Read more about us below.

What do we expect from you?

  • We don’t except you to be a star. In fact, it doesn’t matter if you are outspoken, quiet, a joker or dead serious. We will think that you’re awesome either way. What we do expect from you is that you approach your work with a high sense of responsibility and do your very best in any given situation
  • We like new stuff, and we expect that you do too. Each day you learn something new is never spoiled should be a moto you can identify with
  • As we believe that no job add is complete without at least one cliché, we do expect you to be a solid team player

Requirements that you kind of need to fulfill to be a good fit for us:

Minimum 2 years’ experience in Azure, working with:

  • Networking
  • API management
  • PaaS

Minimum one years’ experience in the following:

  • Infrastructure as code
  • Terraform
  • Kubernetes

Stuff that would make us go oh:

  • Experience in implementing Azure governance functions
  • AZ-104 (Azure Administrator)
  • AZ-400 (DevOps Engineer)
  • Certified Kubernetes administrator
  • Hashicorp Cloud Engineer certification

If you feel that the above describes who you are and if you at least giggled a little at some of the silly stuff, we would love to hear from you.

Are you interested?
If you have the right profile and enthusiasm for the role, send your application and CV via the link.
You are welcome to contact Jørgen Sannes at +47 9281 8666 if you have questions about this position.

The job is to be filled as soon as possible, so we therefore encourage you to send your application as soon as possible.

Lue lisää ja hae

Technical Tester for Cards & Payment/Core Application Development

Technical Tester for Cards & Payment/Core Application Development

We are looking for a Technical Tester for our core system and surrounding architecture

Your tasks are amongst others:

  • Support team in writing test cases
  • Test that changes are according to requirements and that what should not be changed is still working as expected
  • Participate in development planning
  • Be available for development teams for continuous clarifications and testing
  • Support final functional and technical testing of solutions and take part in final user acceptance testing
  • Active participation in Scrum ceremonies
  • Ensure strong coordination with developers and business resources

Qualifications and experience:

  • Engaged, curious, proactive, self-driven and service orientated
  • Detailed thinker, curious and proactive identifying opportunities to reach a goal
  • Thrives in a dynamic and changing environment/embrace change
  • Commercial and customer mindset
  • Organized, structured, result oriented
  • Team player with very good interpersonal skills
  • Know people and let diversity strengthen the outcome

Skills:

  • Familiar with and motivated to learn testing methodology and practices
  • Strong knowledge on customer and business processes
  • Technical knowledge is required
  • Good knowledge of the application as a super user or process owner is an advantage
  • Good communication skills, written and oral, both in local language and English
  • Highly structured way of working (planning, prioritization and organization skills)
  • Ability to handle conflicts in prioritizing and planning with high grade of confidence and conviction capability

Are you interested?

If you have the right profile, will and enthusiasm, please send your application and CV via the link.

You are welcome to contact Christian Fåne Mykland on tel. +47 907 46 292, if you have any questions about the position.

The job is to be filled as soon as possible, so we therefore encourage you to send your application as soon as possible.

Lue lisää ja hae

Collection Analyst - SAS Developer

Are you a developer with experience in SAS/SQL programming?

Santander is developing and growing. We are one of the biggest and most exciting financial institutions in Europe and as a company we embrace the agility to innovate. We believe in sustainability, team-based ways of working and in accepting and valuing differences between people - so do you. You need to be willing to learn, self-sufficient and flexible – so are we.

Since work is a huge part of your life, we want it to be interesting and fun. That’s why we keep up with the latest technologies, tools, and tricks of the trade and everyone has a seat at the table.

We are looking for a Collection Analyst - SAS Developer to develop an important role supporting, initiating activities and driving the overall performance of the Nordic Collections Business Unit.

As Collection Analyst will be responsible for providing data analysis and developments to optimize the Collections activities. Our analytics are aimed at enabling the optimal recovery strategy and results.

The Collection Analyst is seeking for requested and needed improvements regarding data sources, analytical tools and developments, always in an effective and collaborative communication between stakeholders.

Areas of responsibility include:

Analytics & developments

  • Data Extraction and Data Mining covering all Collections processes

  • Responsible for Data and Analysis of all Collection phases and systems developments

  • Implementation of new Data Projects and Tools

  • Implementation and analysis of strategies and campaigns

  • Optimization of results and processes

  • Measuring providers activities and design & control of data systems

  • Support Digital and Innovation initiatives

Lue lisää ja hae

Credit Risk Analyst | Auto financing - SME segment

The Auto Retail Risk Team of Santander Consumer Bank Nordics is looking for a Credit Risk Analyst to be located in Solna, Stockholm (Sweden) or Lysaker, Oslo (Norway), to enhance our capabilities to manage the credit risk generated by our local Small and Medium Enterprise (SME) auto financing portfolio.

As Credit Risk Analyst you will have the responsibility of all activities related to the credit risk generated by the portfolio under your management. You will be responsible for the development and fine-tuning of our credit risk strategies, securing a sound credit processes.

Your typical tasks will include continuous optimization of Santander’s credit decision process through data analysis and mining. You will be drafting, evaluating and assessing credit strategy changes and new product introductions, making an impact on our credit risk and profitability of your portfolio.

You will contribute to develop, implement and optimize scorecard strategies & IRB parameter models together with other risk teams and stakeholders.

You will also be summarizing and communicating the performance of your portfolio and its segments, looking at its development, investigating drivers behind the variation in the risk KPI, in accordance with Santander’s framework and the risk appetite. This will enable you to proactively monitor and report portfolio performance and new business profitability by segment with the aim to identify, address and explain credit risk drivers as part of the credit cycle and its relationship with regulatory parameters (EAD, PD, LGD), capital impact (RWAs), and profitability (RORWA).

Areas of responsibility / Role description

  • Plan, develop and implement portfolio management strategies in your portfolio to minimize credit risk safeguarding profitability
  • KPI responsibility for portfolios ensuring that performance is monitored and issues are addressed
  • Drive profitability analysis at portfolio level and lead credit loss forecasting
  • Implement and optimize scorecard strategies & IRB parameter models together with the modelling team
  • Proactively drive analysis, assess impact of both internal and external environments upon portfolio and existing strategies
  • Budget and measure performance against budget
  • Close cooperation with commercial counterparts and taking part in cross-functional initiatives and projects
  • Summarize and communicate underwriting trends, portfolio performance and changes in credit policy to management raising concerns and recommendations to the appropriate level of management
  • Model ownership (depending on seniority)

Lue lisää ja hae

Sales Consultant Origination Consumer

Har du lyst til at tale med kunder?

... så har vi netop slået dørene op for en ny mulighed. Bliv en del af et team fuld af energi, grin og samarbejde.

Din hverdag i Origination Consumer

Når du møder ind på din første dag i consumer loans, får du en varm velkomst af dine 7 kolleger, som har glædet sig til at få dig med på holdet. Sammen har vi ansvaret for at besvare opkald og mails, når der skal lånes til private på de forskellige produkter, vi har. Og så er der altid en munter tone i luften.

Lav kreditvurderingen, og tag snakken med kunden

Som Sales Consultant får du ansvaret for at lave vurderingerne, når kunden ønsker at låne til en drøm, de har. Denne drøm kan også være igennem en forhandler/butik, vi har samarbejde med. Det betyder, at du også får kontakt med forhandlere – både på telefon og mail. Det bliver bl.a. din opgave at:

  • 90% af hverdagen består af at svare på opkald fra vores kunder/forhandlere
  • Foretage kreditvurderinger af ansøgninger på alle produkter i teamet
  • Servicering af forespørgsler fra private kunder og forhandlere på igangværende ansøgninger, både telefonisk og skriftligt
  • Deltage i afdelingens ad-hoc-opgaver
  • Skiftende arbejdstider i tidsrummet hverdage fra kl. 8-20, lørdag fra kl.10-18 eller søndag fra kl.9-17. På nuværende tidspunkt 1 aftenvagt pr. uge og 1-2 weekendvagter pr. måned

Dine kvalifikationer

Faglige:

  • Har erfaring med at servicere kunder via telefon og mail
  • Må gerne have erfaring med kreditvurderinger
  • Er drevet og motiveret af at give en fantastisk service og overholde deadlines
  • Trives med forandringer, et højt tempo og har et personligt overskud til at gå forrest
  • Du er proaktiv og er god til at se mulige forbedringer i processer

Personlige:

  • Gode kommunikative egenskaber der er loyalitetsskabende overfor kunder/partnere
  • Du er teamplayer og deltager aktivt gennem dit engagement og store drive
  • Er konkurrenceminded og motiveres af nå dine egne og virksomhedens mål
  • Du er struktureret og god til at skabe overblik samtidig med, at du har flere bolde i luften

Hvad tilbyder vi?
Vi tilbyder dig en stilling i et spændende og udfordrende miljø med gode kolleger og ordnede arbejdsforhold, hvor du samtidig har stor mulighed for at præge din egen hverdag. Jobbet giver mulighed for faglig og personlig udvikling, hvor din indsats har stor betydning for virksomhedens resultat. Ydermere tilbydes der pensionsordning, sundhedssikring, tandlægeforsikring og et godt introduktionsforløb.

Interesseret?

Du søger jobbet ved at sende din ansøgning og dit CV senest 21.08.2022 via nedenstående link. Vi holder samtaler løbende, så søg snarest muligt. Alle ansøgninger behandles fortroligt.

Vi glæder os til at høre fra dig.

Har du spørgsmål til jobbet er du velkommen til at kontakte teamleder for Origination Consumer, Serpil Karatas på tlf. 6037 6804.

Lue lisää ja hae

Avoin hakemus

Voit jättää meille avoimen hakemuksen. Olemme sinuun yhteydessä, mikäli meillä aukeaa osaamistasi vastaava tehtävä.

Lue lisää ja hae

​Santander työnantajana

Olemme kuin perheyritys. Meillä on ketterä organisaatio, jossa päätöksiä tehdään ripeästi ja eletään tilanteen mukaan. Matala hierarkia varmistaa sen, että jokaisella on mahdollisuus saada äänensä kuuluviin ja apua tarvittaessa. Joustavassa organisaatiossamme tehtävät ovat monipuolisia, ja sisäinen liikkuvuus on vilkasta.

Uudelle työntekijälle nimetään aina perehdyttäjä, joka auttaa häntä pääsemään nopeasti sisään Santanderin maailmaan. Järjestämme työntekijöille mahdollisuuksia tutustua myös toisten osastojen tehtäviin. Panostamme jatkuvasti esimiestyön kehittämiseen. Vaikka tavoitteet ovat kovat, toimistossamme nauru raikaa ja ilmapiiri on kannustava. Lue lisää meistä.

Tervetuloa iloiseen joukkoomme!

Illustration av en flicka med röd tröja som tittar i en dator

Rekrytointiprosessimme

​Lähetettyäsi meille hakemuksen, saat sähköpostiisi vahvistusviestin hakemuksen perille saapumisesta. Tarkistathan siis hakulomaketta täyttäessäsi, että sähköpostiosoitteesi on oikein. Olemme kaikkiin hakijoihin yhteydessä rekrytointiprosessin edetessä joko puhelimitse tai sähköpostitse.

Tehtävään sopivimmat hakijat kutsutaan haastatteluun yleensä kahden viikon sisällä hakuajan päättymisestä. Haastattelu kestää noin tunnin ja tehtävästä riippuen haastattelukierroksia voi olla useita. Haastattelun tarkoituksena on selvittää puolin ja toisin, kuinka osaaminen, kokemus ja toiveet kohtaavat. Yritykseemme voit tutustua kotisivuillamme.  Vastaamme myös mielellämme haastattelun aikana kysymyksiisi niin yrityksestä kuin työtehtävistäkin.

Pyydämme hakijoilta haastattelussa suosittelijoiden tiedot ja luvan olla yhteydessä heihin. Toisinaan apuna käytetään myös soveltuvuusarviointia, joiden tekemisessä käytämme Helsingissä sijaitsevaa psykologitoimistoa. Haastattelussa sinulle kerrotaan tarkemmin rekrytointiprosessin etenemisestä.

Henkilötietolain (523/99) 10§ mukainen rekisteriseloste Santander Consumer Finance Oy:n työnhakijarekisterille ›