Senior Credit Risk Analyst - Auto Financing

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.

The Sr. Analyst, Credit Risk is responsible for independent risk analysis and oversight of the credit quality of prime auto finance portfolio and may also monitor risk exposures arising from other banking activities.

This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department. The Sr. Analyst also reviews, analyzes, and evaluates the Company’s credit risk management program to support risk‑based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets, products, and services.

• Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures.
• Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow-up actions.
• Supports credit risk assessments by analyzing risk data, identifying plausible business and operational impacts, and maintaining accurate documentation.
• Serves as a department point of contact by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates.
• Researches emerging credit risks, market trends, and credit risk management best practices, and summarizes findings for the team.
• Evaluates credit risk management contingency plans and existing controls, and recommends opportunities to improve effectiveness and reduce risk.
• Prepares review memoranda summarizing liabilities, observations, and recommended follow‑up evaluations.
• Reinforce a risk‑aware culture through the communication of credit and risk policies and guidelines.

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 or equivalent work experience in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Required.
• Master’s Degree in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Preferred.

• 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field – Required.
• 1+ years of experience with SQL programming or equivalent programming language (i.e. Python), Power BI or similar data visualization and analytics tool – Required.
• Basic understanding of reporting, dashboarding and data visualization concepts – Preferred.
• Familiarity with querying, validation and reconciling data from multiple sources – Preferred.

• Ability to work with large and complex datasets, perform data analysis and communicate insights and findings effectively – Required.
• Strong quantitative capabilities and analytical skills, including an investigative mindset.
• Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook.
• Ability to analyze risk and provide recommendations and resolutions to minimize exposure.
• Strong written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely.
• Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner.
• Ability to build and foster…