Head of Credit

About the role

Openbank México is looking for a Head of Credit to define and lead its credit strategy, building a robust, scalable and commercially sound credit model aligned with business growth, risk appetite and customer needs. The role has end-to-end accountability for portfolio performance, P&L and risk-adjusted profitability.

Openbank is Santander Group's global digital consumer bank, bringing together retail banking, mobility finance and consumer lending solutions in one integrated digital platform. Openbank México is part of Santander Group's customer-centric transformation, driven by innovation, technology and collaboration. Professionals at all levels are expected to take a proactive and responsible approach to risk management.

Responsibilities

• Define the end-to-end credit strategy, including product scope, portfolio priorities, customer segments, credit criteria and growth roadmap.
• Own the credit P&L, balancing origination, pricing, cost of risk, portfolio performance and profitability to support sustainable growth.
• Lead end-to-end portfolio management, setting performance objectives and 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.

Datos clave

• Openbank México busca un Head of Credit para definir y liderar la estrategia de crédito.
• El puesto tiene responsabilidad integral sobre el rendimiento del portafolio, P&L y rentabilidad ajustada al riesgo.
• La estrategia incluye alcance de productos, prioridades del portafolio, segmentos de clientes y criterios de crédito.

Salario estimado

Salario estimado para gestor de cobranza en México: MXN 8.500 - 12.500 al mes, según 17 ofertas con salario publicado en CazVid. Es una estimación, no el salario ofrecido.