Residual Value Risk Specialist - SCF HQ
Country: Spain
IT STARTS HERE
Santander ( 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 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.
WHAT YOU’LL BRING
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
- 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)
Education
- Bachelor’s degree in Economics, Statistics, Actuarial Science, Mathematics, Engineering or related fields . (Required)
- Postgraduate studies in Finance, Risk Management or Data Analytics. (Preferred)
Languages
- Spanish: Native/Advanced . (Required)
- English: Advanced , able to work in an international environment. (Required)
- French: Intermediate level. (Preferred)
Hard Skills
- 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)
Soft Skills
- 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 VALUE YOUR IMPACT
Your contribution matters , and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers.
- We’re enable our teams to go beyond through global opportunities and broad career paths.
- Flexibility that works. Enjoy a hybrid working models —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 (www.santanderopenacademy.com)
- Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.
- Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.
- Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing.
- We know family is everything . That’s why we offer childcare support and family-friendly programmes tailored to each life stage.
- Always by your side. Get access to Santander Contigo , our program for employees and their families offering legal, emotional, and administrative advisory services.
- Extra benefits . Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that’s only the beginning—we’ll tell you more when you join!
We’re here to keep you motivated , help you reach your goals, and celebrate your progress, every step of the way.
LOCAL COMPLIANCE
Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.
WHAT TO DO NEXT
If this sounds like a role you are interested in, then please apply.
READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?
