Zinia is the new checkout lending platform of the Santander Group. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way, powering merchants across Europe using technology from Openbank and Santander Consumer Finance.
This is an exciting opportunity to make your contribution over a growing market within the business areas of lending, cobranded credit cards and buy-now-pay-later with a solid expansion across different countries with global leading merchants.
Zinia leverages the technological resources and expertise of Openbank, the digital-native bank of the Santander Group, which is currently rolling out its international expansion plans. Through a simple and flexible banking model, Openbank offers customers the possibility to manage their finances on the website or app.
Mission and responsibilities:
As a member of the credit & risk department, the candidate will join the processes and operations team at Openbank, the digital bank of Santander Group, particulary in the Credit & Risk deparment. The main responsibility is to ensure that processes and operational tasks are complete, efficient, automated, controlled, and customer-oriented.
The main tasks of this role will be the following:
-Lead and coordinate the preparation, validation, and delivery of data and documentation for loan portfolio sale transactions
- Coordinate with internal areas (Risk, Legal, Finance, IT) and external servicers to ensure proper execution of the transaction
-Conduct post-sale follow-up: reconciliations, reporting, document transfers, and buyer information requests
-Supervise early-stage and late-stage collections activities, ensuring full compliance with internal policies and regulatory requirements.
-Manage escalated or complex cases, ensuring full traceability and correct documentation
-Coordinate with the Legal department and insolvency administrators to ensure the bank’s correct representation.
- Develop and maintain KPIs, SLAs, and executive reporting for management.
-Ensure traceability across all processes and proper audit documentation.
-Identify and implement improvements in efficiency, automation, and operational risk reduction
- Change management; preparation of documentation, ability to transfer knowledge to BBOO users -through training sessions-
- Strong ownership behaviour and proactive attitude
- Previous experience in Operations Backoffice is desirable
To be successful in the role you must have:
- +5 years of experience in this field.
- Bachelor's degree in a quantitative/analytical field, such as engineering or mathematics.
- Strong Knowledge of SQL
- Advanced Excel
- JIRA, Confluence desirable
- Strong knowledge on Credit Risk
- Fluent english & spanish
What do we offer?
- Joining a dynamic and agile company undergoing international expansion.
- Working in start-up mode with the support of the Santander Group.
- Competitive remuneration and attractive benefits package.
- Possibility of growth within the company and the Group.
- Collaborating on international projects in different countries.
- Excellent work environment, social clubs and frequent events.
Would you like to grow with us? Join our team!
Openbank / ODS is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status.
We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build.
The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A./ Open Digital Services, S.L. with registered office at Plaza de Santa Bárbara 2, 28004 (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment.
For further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing here.