Credit Risk Analyst

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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Sr. Analyst, Analytics is primarily responsible for analyzing portfolio exposures, building data-driven insights, and automating credit risk reporting processes for Loss Forecasting covering all US business entities.

• Extract, transform, and analyze credit risk and portfolio data.

• Develop automated reporting and analytical tools using Python.

• Monitor key risk indicators.

• Collaborate with risk owners to improve controls and reporting workflows.

• Present insights and recommendations to stakeholders.

What You Bring:
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.

Education

• Bachelor’s degree in Finance, Economics, Data Science, Statistics, or a related field – Required.

Experience

• 3+ Years analyzing credit risk or financial portfolio data within banking or financial services environments – Required.

Skills

• Advanced proficiency in Python (including Pandas and Num Py), SQL, and data visualization tools such as Power BI or Tableau to analyze, manage, and present structured credit risk data – Required.

• Strong understanding of credit risk concepts, financial statements, portfolio risk metrics, and predictive modeling techniques, including risk indicator development – Required.

• Experience working with large-scale financial datasets within highly regulated environments, including familiarity with model validation, risk governance, and regulatory reporting frameworks – Preferred.

• Strong analytical thinking with the ability to interpret complex datasets, identify meaningful trends, and translate insights into actionable recommendations.

• Clear communication and collaboration skills, with high attention to detail and a demonstrated commitment to data accuracy and integrity.

Certifications:

• None specified.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

Maximum:

We Value Your Impact:

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future.
Santander Benefits - 2026 Santander OnGoing/NH eGuide ()

Risk Culture:

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.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions:

Frequent minimal physical effort such as sitting,…