SANTANDER CONSUMER FINANCE is looking for a Credit Analyst, based in our UTRECHT office.


At Santander ( we are key players in the transformation of the financial sector. Do you want to join us?

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.

Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper. We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.


As a Credit Analyst you will be mainly responsible of analyzing financial account to assess the creditworthiness of (wholesale) customers and predict whether they can meet their financial obligations. You will play a key role in managing the credit portfolio and optimizing the credit granting processes.

We need someone like you to help us in different fronts:

  • Assessing the creditworthiness of existing and potential (wholesale) customers by analyzing annual accounts, credit history, and preparing forecasts.
  • Prepare annual reviews and proposals for new credit limits for Credit Committee and HQ Committees and present those in the different Committees.
  • Propose guarantees to be obtained from customers to support the proposed credit limits.
  • Monitor payment behavior of in particular wholesale customers.
  • Prepare and manage contractual documentation for wholesale customers.
  • Align with different internal stakeholders on profitability of customers, risk appetite and new business initiatives.


  • Minimum of 2 years’ experience in a similar role.


  • MBO/HBO degree in finance, accounting, or a related field.
  • Additional NIBE/SVV Commercial lending would be ideal, but not a must.


  • Comprehensive understanding of financial statements, ratios, and concepts.
  • Analytical and organizational skills.
  • Excellent communication skills in both Dutch and English.


Join the team! This is the opportunity to use your talent at a dynamic, international organization. Respond by sending your application via 

*Screening is part of the application procedure. Based on the screening procedures that apply within Santander, we test whether new employees are sufficiently reliable to perform work at Santander.
* We have a strong risk culture and expect a proactive and responsible attitude towards risk management from all our professionals, regardless of their position.

Acquisition regarding this vacancy is not appreciated