Residual Value Risk Specialist - SCF HQ
Country: Spain
IT STARTS HERE
Santander (

) is evolving from
a general, 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 cre

📌 Residual Value Risk Specialist (Málaga)
🏢 Banco Santander
📍 Málaga