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For Companies At a Glance
- Tasks: Analyse risk data, produce reports, and present findings to stakeholders.
- Company: Join Santander Consumer Finance UK, a leading motor finance provider in the UK.
- Benefits: Enjoy a competitive salary, 27 days holiday, annual bonuses, and gym discounts.
- Why this job: Be part of a diverse team, make an impact, and develop your analytical skills.
- Qualifications: Strong SAS programming skills and a knack for data analysis are essential.
- Other info: This hybrid role requires at least 3 days in the Redhill office.
The predicted salary is between 37000 - 43000 £ per year.
Job Description
Santander Consumer Finance UK (SCUK) is based in Redhill, Surrey and provides motor finance to a network of dealerships throughout the United Kingdom.
We are currently looking for a Risk Analyst to join our Risk department where you will be taking accountability and be an SME for several areas of risk reporting and analysis, clearly communicating results, developing, and recommending changes where appropriate.
Please note this role is a hybrid role with at least 3 days a week in the Redhill office, remote workers will not be considered.
What you’ll be doing:
- Production of Risk reports on a daily, weekly, monthly, quarterly and annual basis
- Reviewing reports, and analysing, understanding, and documenting any anomalies
- Presenting reports and results at Forums
- Developing new reports using Excel, SAS, Business Objects and Power BI
- Providing analytics for the development and review of Credit Policy strategies
- Supporting Risk Appetite setting
- Subject Matter Expert in areas such as (but not exclusive to) Scorecard Cutoffs, Pre-Qualification, Regulatory reporting, and reporting for head office in Spain
- Ensuring data quality through raising change requests and investigative work
- Ad-hoc project work
- Supporting the relationship manager of 3rd party suppliers, including ensuring the reported data is correct, file downloads, data reviews, product reviews, supporting end-users, invoices tracked and processed
- Liaising with 3rd party suppliers, IT, and other end users within the business, including our 2 joint ventures
- Ensure SCF/SANUK and SCUK Retail policies and procedures are updated and approved at least on an annual basis, maintain the governance spreadsheet, and send out monthly reminders of those that are due soon
- Update policy library and the document register whilst arranged for them to get approved in the appropriate forum or committees
- Deal with or escalate any identified risks in relation to Santander Consumer risk policies and/or legislative and regulatory guidelines in accordance with the Santander UK group risk framework
- Adhering to our commitment to Consumer Duty ensuring we put our customers’ needs first and set higher and clearer standards of consumer protection
What we’re looking for:
- Sound programming skills in SAS with good statistical modelling skills using SAS
- Good working knowledge of Business Intelligence
- Good working knowledge of using data warehouses and data driven investigations
- Strong numeracy and mathematical literacy
- High standard of personal integrity and decisiveness, in addition to problem-solving and influencing skills
- Ability to work independently, and as part of a team to meet deadlines
- Must be able to adopt an organized and methodical approach to deliver personal and business objectives, using resources effectively to deliver the right thing in the right place at the right time
- Excellent interpersonal, team-working and communication skills
We have a range of benefits available which include:
- Competitive salary of £43,000 – £45,000 dependent on experience
- 27 days holiday per annum, plus bank holidays
- Annual bonus based on personal and company performance
- £500 flexible benefit allowance
- Generous pension contributions
- Employee assistance programme
- Enhanced family friendly policies
- Sharesave scheme
- Gym passes at a reduced rate for 3,000 gyms, leisure centres etc
- Local retail and high street brands discounts
Equal Opportunities
At Santander we’re creating a thriving workplace where all colleagues feel they belong and are supported to succeed. We all help to make Santander a workplace that celebrates diversity and attracts, retains and develops the most talented and committed people through living our values of Simple, Personal, and Fair.
At Santander Consumer Finance we have a zero-tolerance approach to discrimination, bullying, harassment (including sexual) or victimisation of any kind.
Should you want to be considered for part time hours, please let us know and we can assess your requirements.
What are the next steps:
If you are interested in this role and believe you have the skills, experience, and knowledge then we’d love to hear from you. Please go ahead and click apply which will take you through some questions and allow you to submit your CV and covering letter.
Retail Risk Analyst employer: Santander Consumer Finance
Contact Detail:
Santander Consumer Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Retail Risk Analyst
✨Tip Number 1
Familiarise yourself with the specific tools mentioned in the job description, such as SAS, Business Objects, and Power BI. Having hands-on experience or relevant projects to discuss can really set you apart during interviews.
✨Tip Number 2
Brush up on your risk reporting skills and be prepared to discuss how you've handled data quality issues in the past. Being able to provide examples of your analytical thinking and problem-solving abilities will demonstrate your fit for the role.
✨Tip Number 3
Network with current or former employees of Santander Consumer Finance, especially those in the Risk department. They can provide valuable insights into the company culture and expectations, which can help you tailor your approach.
✨Tip Number 4
Prepare to discuss your understanding of regulatory frameworks and consumer protection standards. Showing that you are knowledgeable about these areas will highlight your commitment to the company's values and objectives.
We think you need these skills to ace Retail Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience and skills that align with the Retail Risk Analyst role. Emphasise your programming skills in SAS, knowledge of Business Intelligence, and any experience with risk reporting.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your background in risk analysis and your ability to communicate results effectively make you a great fit for the team.
Showcase Your Analytical Skills: Provide specific examples in your application that demonstrate your analytical abilities. Mention any projects where you developed reports or conducted data-driven investigations, particularly using tools like Excel, SAS, or Power BI.
Highlight Teamwork and Communication: Since the role requires excellent interpersonal skills, include examples of how you've successfully worked in teams and communicated complex information to various stakeholders in your previous roles.
How to prepare for a job interview at Santander Consumer Finance
✨Know Your Numbers
As a Retail Risk Analyst, you'll be dealing with data and reports regularly. Brush up on your statistical modelling skills and be prepared to discuss how you've used SAS or similar tools in past roles. Be ready to explain your approach to data analysis and any specific projects you've worked on.
✨Understand the Business
Familiarise yourself with Santander Consumer Finance's operations, especially their risk policies and procedures. Understanding their business model will help you articulate how you can contribute to their goals and demonstrate your commitment to consumer protection.
✨Prepare for Technical Questions
Expect questions that test your knowledge of Business Intelligence and data warehousing. Be prepared to discuss how you've developed reports using tools like Excel, SAS, and Power BI. Highlight any experience you have with credit policy strategies or regulatory reporting.
✨Showcase Your Communication Skills
Since the role involves presenting reports and results, practice explaining complex data in simple terms. Think of examples where you've successfully communicated findings to non-technical stakeholders, as this will demonstrate your ability to work collaboratively within teams.
