Senior Retail Risk Analyst job opportunity at Santander Consumer Bank.

Home Jobs In Norway Tag: Job Senior Retail Risk Analyst position at Santander Consumer Bank


DateMore Than 30 Days Ago bot
Santander Consumer Bank Senior Retail Risk Analyst
Experience: 3-years
Pattern: full-time
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loacation Lysaker, Norway
loacation Lysaker....Norway

Senior Retail Risk Analyst Country: Norway Senior Retail Risk Analyst – Auto SME & Unsecured Portfolios   Shape the credit risk strategy for key retail portfolios across the Nordics.   Each month, thousands of customers and small and medium-sized enterprises (SMEs) rely on us for financing. Ensuring sustainable growth while   maintaining   strong risk discipline requires senior analytical   expertise , sound judgement, and the ability to influence decisions across the organization. We are now looking for   two Senior Retail Risk Analysts   to strengthen our Retail Risk team in Norway, covering:   Auto SME portfolios , and Unsecured retail portfolios .   Both positions are based in Lysaker, Norway, with close collaboration across the Nordic countries.     About the role   As a   Senior Retail Risk Analyst , you will play   an important role   in defining and executing the credit risk approach for your assigned portfolio. You will support strategic decision-making by combining deep portfolio insight with forward-looking risk assessments, while working closely with key stakeholders across the organization.   The role spans portfolio risk responsibility, advanced analysis, and stakeholder collaboration, with a clear focus on strengthening underwriting quality, portfolio performance, and long-term risk outcomes. You will be part of a Nordic risk organization with strong analytical capabilities and   high standards   for quality and impact.     Key responsibilities   Your responsibilities will include:   Taking end-to-end risk responsibility for selected retail portfolios (Auto SME or Unsecured) throughout their lifecycle   Providing clear, actionable risk insights and recommendations to management and key stakeholders   Supporting the development and maintenance of underwriting standards, credit policies, and risk appetite through data-driven analysis   Monitoring portfolio performance and   identifying   emerging risks, structural shifts, and early warning signals   Identifying   and explaining key credit risk drivers and their impact on PD, LGD, EAD, capital consumption (RWAs), and profitability   Supporting forecasting activities and forward-looking risk assessments across different credit cycle scenarios   Working closely with Underwriting, Commercial, and Product teams as a senior risk counterpart   Contributing to scorecard development, model enhancements, and other risk-related initiatives   Strengthening data quality and developing automated reporting to support scalable and effective risk monitoring     Your profile   We are looking for professionals who bring:   3+ years of relevant experience within credit risk, analytics, underwriting, or portfolio management   Strong academic background in Finance, Risk, Analytics, Mathematics, Engineering, or a related field   Advanced analytical skills with strong hands-on experience in Excel and SQL, as well as SAS, R, or Python   Solid understanding of retail credit risk principles; experience with SME or unsecured portfolios is an advantage   Experience with risk models, scorecards, or data infrastructure is an advantage   Fluency in English; Nordic language skills are an asset   Valid work permit     Personal qualities   You are:   Analytical and structured, with the ability to balance detail with a broader portfolio perspective   Comfortable taking ownership and accountability within your area of responsibility   A clear and confident communicator, able to explain complex risk topics to non-technical stakeholders   Collaborative and constructive, with the ability to challenge when needed   Curious, driven, and motivated to continuously improve risk processes and outcomes     Application   Ready to take on a senior role with   meaningful   impact on retail credit risk management?   Submit your application for the position as soon as possible and no later than February 8, 2026. If you have any questions or want more information about this position, feel free to contact Ilona Kajamaa, Auto SME Portfolio Leader,   ilona.kajamaa @ gruposantander.com   or +358 40 731 9114   or   Maria Martinsson, Direct & Durables Portfolio Management Leader   maria.martinsson@gruposantander.com or +46 76 724 60 22.   We perform background checks on all relevant candidates. For positions that require authorization and/or confirmation of suitability, a police certificate of good conduct and credit check must be presented.   Background   check is carried out with prior consent from the candidate.    

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