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About the Role

Credit Structuring is responsible for designing and executing bespoke investment, funding, hedging, and risk management solutions across a broad range of credit products for institutional and corporate clients. The team delivers tailored solutions including Repacks, Credit Linked Notes (CLNs), CVA Notes, and various other complex financial instruments. Working closely with Sales, DCM, Risk, and Legal teams, Credit Structuring combines market expertise, regulatory insight, and innovative product development to provide capital-efficient and client-focused solutions across the UK and Europe.

Responsibilities

Lead the credit structuring angle across a diverse range of transactions and client solutions.
Originate, structure, and execute bespoke credit and risk management strategies for institutional clients.
Structure and execute bespoke credit solutions, funding transactions, and hedging strategies tailored to client requirements.
Develop and present innovative credit and capital-efficient solutions under Solvency II, internal model frameworks, and broader prudential regulation.
Provide expertise across credit products, pricing, trade analytics, trade management, and solution design for UK and European institutional clients.
Support client engagement through idea generation, bespoke pitches, and transaction execution.
Build and maintain strong relationships with institutional investors, insurers, pension clients, and corporate counterparties.
Collaborate closely with internal stakeholders including Bankers, DCM Originators, Derivatives Marketers, Credit Risk, Methodology, and Legal teams across Europe and LatAm.
Monitor regulatory and market developments, including EIOPA, PRA, TPR consultations, ESG developments, and benchmark reforms, and incorporate these into client solutions.
Develop analytical tools and frameworks to support client-specific asset-liability management and funding proposals.
Contribute to the growth and positioning of Santander’s Global Banking & Markets franchise through commercial and innovative structuring capabilities.

Requirements

CISI Regulatory, Securities and Derivatives Modules essential.
Strong understanding of credit pricing theory and its practical application.
Detailed knowledge of the full suite of credit derivative products.
Good understanding of accounting principles relevant to credit derivatives and structured solutions.
Strong knowledge of credit risk and derivative risk calculations.
Understanding of regulatory developments impacting institutional clients, including Solvency II, PRA, EIOPA, TPR, ESG, and market reforms.
Excellent analytical, problem-solving, and quantitative skills.
Strong written and verbal communication skills with the ability to present complex concepts clearly to clients and internal stakeholders.
Ability to manage multiple transactions and stakeholders in a fast-paced environment.
Additional European language skills are advantageous, particularly German, French, Italian, or Spanish.

Skills

Credit Structuring
Investment Solutions
Funding Solutions
Hedging Solutions
Risk Management Solutions
Credit Products
Repacks
Credit Linked Notes (CLNs)
CVA Notes
CIMA issuance structures
Risk Participation Agreements
Bespoke credit derivatives
Insurance solutions
Cross-border funding structures
Back-leverage solutions
Bond-related hedging strategies
Market expertise
Regulatory insight
Innovative product development
Capital-efficient solutions
Client-focused solutions
Credit pricing theory
Credit derivative products
Accounting principles
Credit risk
Derivative risk calculations
Regulatory developments (Solvency II, PRA, EIOPA, TPR, ESG, market reforms)
Analytical skills
Problem-solving skills
Quantitative skills
Communication skills (written and verbal)
Transaction management
Stakeholder management

Location

United Kingdom
London

Work Type

Full-time

Experience Level

Vice President

Education Level

Degree level in a relevant discipline such as Finance, Mathematics, Engineering, Economics or a related quantitative subject (preferred)

Salary/Compensations

Competitive salary
Eligible for a discretionary performance-related annual bonus

Benefits

Pension with generous contributions of up to 12.5% from Santander
30 days holiday plus bank holidays
Option to purchase up to 5 contractual days per year
Company funded individual private medical insurance
Voluntary healthcare benefits at discounted rates (family private medical insurance, dental insurance, healthcare cash plan, health assessments)
Benefits supporting you and your family (death-in-service benefit, income protection, voluntary life assurance, critical illness cover)
Share in Santander’s success by investing in our Sharesave and Partnership shares plans

About the Company

Santander is an equal opportunities employer.
Our work touches 140 million lives every day.
We are constantly innovating, sharing our experiences, questioning how we do things, and adapting to new challenges.
We are reinventing ourselves for the digital age, where even the smallest action can have a massive impact.

Equal Opportunity

Santander are an equal opportunities employer.
We create an inclusive culture where everyone counts.
We particularly welcome applications from different underrepresented groups.