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Head of Credit - Openbank MexicoSantander · OFNA OPENBANK CDMX
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Santander

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Head of Credit - Openbank Mexico

🗓️ Posted 2026-10-03 OFNA OPENBANK CDMX Hybrid Banking Financial Services
💰 Salary Not shared 📊 Market 80,000 EUR–120,000 EUR/mo

About the Company

race a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank is Santander Group's global digital consumer bank, bringing together retail banking, mobility finance and consumer lending solutions in one integrated digital platform. THE DIFFERENCE YOU MAKE Openbank Mexico is looking for a Head of Credit to define and lead the credit strategy for Openbank Mexico, building a robust, scalable and commercially sound credit model aligned with business growth, risk appetite and customer needs, with end-to-end accountability for portfolio performance, P&L and risk-adjusted profitability. 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: Define the end-to-end credit strategy for Openbank Mexico, including product scope, portfolio priorities, customer segments, credit criteria and growth roadmap. Own the credit P&L, ensuring sustainable growth and balancing origination, pricing, cost of risk, portfolio performance and profitability. Lead end-to-end portfolio management, defining performance objectives and actively managing growth, risk, returns and customer value across the credit lifecycle. Lead the design of the credit operating model, ensuring clear governance across Business, Risk, Product, Operations, Data and Technology teams.

Requirements

  • ● 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
  • ● Significant senior experience in credit, lending, consumer finance, credit cards, retail banking, fintech or digital banking.
  • ● Proven track record defining or scaling credit strategies, lending products or credit portfolios in a banking or financial services environment.
  • ● Demonstrated experience owning or managing P&L and portfolio performance within a credit, lending or consumer finance business.
  • ● Previous exposure to fintech, digital banking, consumer lending, credit cards or high-growth financial services businesses will be highly valued.
  • ● Relevant university degree or equivalent professional experience (preferred).
  • ● Fluency in Spanish and English (required).
  • ● Strong understanding of credit risk, portfolio management, underwriting, pricing, collections and risk-adjusted profitability.
  • ● Strong commercial and financial acumen, with the ability to balance growth, risk and returns and drive risk-adjusted portfolio profitability.
  • ● Ability to move from business vision to product, policy and operational implementation.
  • ● Strategic thinking combined with practical execution.
  • ● Strong business judgement and analytical mindset.
  • ● Ability to make decisions in complex, fast-moving environments.
  • ● Strong stakeholder management and collaboration skills.
  • ● WE VALUE YOUR IMPACT
  • ● Your contribution matters , and it's recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers.
  • ● We offer more than just a paycheck- our benefits are designed to support your life, your goals and your well-being, now and into the future.
  • ● Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing