Senior Associate, Credit Risk – Auto Loan Servicing

It Starts Here

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

Country:
United States of America

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

• Provide independent oversight of the credit quality and risk profile of assigned portfolios, ensuring compliance with credit policies, underwriting standards, regulatory requirements, and internal controls.
• Review, analyze, and evaluate the effectiveness of the Company’s credit risk management program, recommending solutions that improve efficiency, strengthen controls, and reduce risk exposure.
• Oversee reporting processes to ensure consistent quality, accuracy, completeness, and compliance with internal policies and regulatory expectations.
• Execute and maintain risk management controls, credit risk assessments, testing activities, and mitigation plans to support ongoing monitoring and governance efforts.
• Partner with business leaders and control functions to support effective first-line and second-line risk management practices, governance processes, and control frameworks.
• Monitor portfolio performance and credit quality trends, including delinquencies, risk ratings, industry exposures, and individual credit approvals, while providing effective challenge and oversight.
• Lead risk mitigation initiatives, business continuity efforts, and incident response activities that support operational resilience, risk reduction, and industry best practices.
• Serve as a subject matter expert by influencing stakeholders, providing strategic insights, systematizing management reporting, and mentoring team members on credit risk management practices.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Required.
• Master’s Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Preferred.

• 9+ years of Risk Management, Credit Risk, or Internal Audit experience – Required.
• 9+ years of Financial Services or Financial Industry experience – Required.
• Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities – Required.
• 9+ years of Consulting experience – Preferred.

• No specific language requirements identified.

• Demonstrated ability to translate complex data and risk analysis into clear, concise recommendations for senior leadership and governance committees
• Experience monitoring key risk indicators (KRIs), performance metrics, and portfolio trends to proactively identify emerging risks and opportunities
• Ability to develop executive-level reporting, dashboards, and presentations that support strategic decision-making and risk governance.
• Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations.
• Experience monitoring portfolio…