Residual Value Risk Specialist (Madrid)

About the role

Santander Consumer Finance is seeking a Residual Value Risk Specialist to join its headquarters in Boadilla del Monte, Madrid. The role focuses on managing asset and residual value risk for vehicle leasing portfolios across Europe, supporting the company’s risk‑aware culture.

Key responsibilities

• Collaborate with the Residual Value risk team in HQ and subsidiaries to develop and enhance retail decision models and strategies for asset/residual value risk management.
• Monitor residual value portfolios, track key performance metrics, and identify deviations from expected outcomes.
• Analyze European automotive market trends—including new and used car markets, consumer preferences, technology, regulatory and macro‑economic factors—that affect future residual values.
• Support local teams in maintaining processes and analytics for setting and reviewing 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, providing independent challenge to commercial proposals and pricing assumptions to ensure risk‑adjusted decisions.

Required profile

• 5–7 years of experience in asset risk management within automotive, leasing, or asset‑based portfolios in a regulated environment.
• Strong analytical mindset with the ability to interpret market data and translate insights into risk strategies.
• Proven ability to work cross‑functionally with risk, finance, and business teams.

Required skills