Credit Risk Supervisor Retail

As a Credit Risk Supervisor Retail in Madrid, you will manage credit risk analysis for retail operations within the financial services sector. Your work will help make consistent financing decisions aligned with established criteria. #JoinMichaelPage

• Leading company in sustainable mobility solutions and vehicle renting.

Operational coordination of the team

• Coordinate daily activity with internal teams and external providers of the retail credit team, across all input channels (manual and digital).
• Ensure a balanced distribution of workloads based on the experience, capacity, and specialization of the analysts.
• Monitor the workload and quality, and ensure compliance with SLAs.
• Proactively identify, anticipate, and escalate potential operational risks, bottlenecks, or deviations in activity, as well as opportunities for improvement.

Technical supervision and quality

• Supervise highly complex operations and provide technical support to analysts.
• Supervise the quality and consistency of the credit analyses performed.
• Guarantee the correct application of risk policies, procedures, and criteria.
• Prepare and update work procedures and instructions
• Perform periodic quality reviews and propose corrective actions when necessary.

Training and development

• Identify the training needs of the team
• Provide continuous training and ensure the correct understanding of current policies and procedures
• Facilitate the integration and development of new analysts

Monitoring and reporting

• Prepare and analyze KPIs and KRIs of the activity.
• Monitor productivity, quality, and SLA compliance.
• Prepare periodic reports for the Credit Manager.
• Identify trends and opportunities for improvement based on data.

Continuous improvement

• Propose and drive improvements in processes, procedures, and tools.
• Participate in automation, digitalization, and operational efficiency projects.
• Collaborate in the implementation of regulatory, organizational, or corporate changes.

Stakeholder relations

• Act as the operational point of contact with areas related to the credit process.
• Facilitate fluid communication between the Retail team and the rest of the organization's areas.

The selected candidate must meet the following requirements:

• Intermediate or higher university degree. Degree in Economic Sciences, ADE, mathematics, statistics, or similar.
• High level of English, both spoken and written.
• High level of Office Package
• More than 2 years of experience in similar positions
• Experience in credit risk.