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- Tasks: Manage and optimise credit decision trees for SCUK's Leasing portfolio.
- Company: Join Santander Consumer Finance, a leading motor finance company in the UK.
- Benefits: Enjoy a competitive salary, 25 days holiday, annual bonuses, and gym discounts.
- Why this job: Be part of a dynamic team that values diversity and continuous improvement.
- Qualifications: Experience with Provenir, credit reference agencies, and strong Excel skills preferred.
- Other info: Hybrid working model with at least 3 days onsite in Redhill.
The predicted salary is between 43000 - 48000 £ per year.
SCUK Leasing Decision Tree Analyst
Country: United Kingdom
Santander Consumer Finance (SCUK) is one of the UK’s Leading Motor Finance companies providing finance to a network of car dealerships throughout the United Kingdom. We are currently looking for a Leasing Decision Tree Analyst to join us in our Redhill, Surrey office working on a hybrid basis working (with at least 3 days a week onsite).
In this role you will manage the credit decision trees used in SCUK’s Leasing portfolio and you will build and make changes when required, to the decision engine, Provenir, that will be part of the Leasing IT system, SASOL. The role will also support project work within SCUK’s Loan portfolio including developing a Limited Company scorecard and decline/refer rule sets.
Responsibilities will include:
- General strategy – to become the focal point for, and super user of the decision engine software, Provenir, and how it interacts with the SASOL contact hire system. Fully incorporate and manage policy changes and new credit strategies within the decision trees and ensure everything is fully tested and extensively documented. This will cover strategies for both private individuals and limited companies
- Analytical strategy – to create SAS programs that analyse the Leasing Decision Tree changes and monitor any newly implemented logic that requires tracking, and to assist other departments with analysing data that may result in changes to the Decision Trees
- Technical knowledge – to Maintain up-to-date awareness of all credit policy rules and Provenir updates
- Stakeholder and Communication – establish a sound working relationship with all areas of the business, especially Leasing and New Business Underwriting, answering any queries on Leasing policy and products, and communicating to stakeholders all relevant policy and decision tree changes
- Insight and continuous improvement – establish an on-going review to continually improve and refine the decision tree logic
- Projects – when required, manage and provide support to Leasing credit projects and day to day activities
- Presenting – presenting on behalf of Leasing at the Default Inquest forums. Supporting management by attending other meetings when required
- R isk – dealing with/escalating identified risks in relation to Leasing risk policies and/or legislative and regulatory guidelines in accordance with the Santander UK group risk framework
What we’re looking for someone with:
- Previous systems knowledge of Provenir and API architecture
- Previous work experience of using Credit Reference Agencies and their data blocks
- A high standard of Excel skills
- Previous experience of the automotive sales market (desirable – not essential)
- Programming experience in SAS (desirable – not essential)
- A high level of mathematical literacy, i.e. A level in Maths (desirable – not essential)
We have a range of benefits available which include:
- Competitive salary of £43,000-£48,000 (dependent on experience)
- 25 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
- Sharesave scheme
- Gym passes at a reduced rate for 3,000 gyms, leisure centres etc
Other things you need to know:
- Hours for this role are 09:00-17:00, across Monday – Friday
Inclusion
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.
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SCUK Senior Analyst - Credit Decision Tree employer: Santander USA
Contact Detail:
Santander USA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land SCUK Senior Analyst - Credit Decision Tree
✨Tip Number 1
Familiarise yourself with Provenir and its API architecture. Since this role requires you to be a super user of the decision engine software, having hands-on experience or knowledge about how Provenir integrates with SASOL will give you a significant edge.
✨Tip Number 2
Network with professionals in the automotive finance sector. Engaging with individuals who have experience in credit decision-making can provide insights into the industry and may even lead to referrals or recommendations for your application.
✨Tip Number 3
Brush up on your Excel skills, especially in data analysis and modelling. This role demands a high standard of Excel proficiency, so being able to demonstrate your ability to manipulate and analyse data effectively will be crucial during interviews.
✨Tip Number 4
Prepare to discuss your understanding of credit policies and risk management. Being able to articulate how you would handle changes in credit strategies and your approach to risk assessment will show that you are proactive and knowledgeable about the responsibilities of the role.
We think you need these skills to ace SCUK Senior Analyst - Credit Decision Tree
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience, particularly any work with Provenir, credit decision trees, or the automotive sales market. Use keywords from the job description to demonstrate your fit for the role.
Craft a Compelling Cover Letter: In your cover letter, explain why you are interested in the Leasing Decision Tree Analyst position and how your skills align with the responsibilities outlined. Mention specific experiences that showcase your analytical and technical abilities.
Showcase Technical Skills: If you have programming experience in SAS or high-level Excel skills, be sure to include examples of how you've used these in previous roles. This will help demonstrate your capability to manage and analyse data effectively.
Highlight Communication Skills: Since the role involves stakeholder communication, provide examples of how you've successfully collaborated with different teams or presented information in past positions. This will show your ability to establish sound working relationships.
How to prepare for a job interview at Santander USA
✨Know Your Provenir Inside Out
Since the role heavily involves managing the decision engine Provenir, make sure you understand its functionalities and how it integrates with SASOL. Brush up on any recent updates or features that could be relevant to your potential role.
✨Demonstrate Analytical Skills
Be prepared to discuss your experience with data analysis, especially using SAS. Think of examples where you've successfully implemented changes based on analytical insights, as this will show your capability to handle the analytical strategy aspect of the job.
✨Communicate Effectively
This role requires strong stakeholder communication. Practice articulating complex ideas simply and clearly. Be ready to explain how you would establish relationships across departments and address queries regarding leasing policies.
✨Showcase Continuous Improvement Mindset
The company values insight and continuous improvement. Prepare to discuss how you've previously identified areas for improvement in processes or systems and the steps you took to implement those changes.
