Associate, Credit Risk, Liberty Street NY

Associate, Credit Risk, Liberty Street, New York, NY

Country:
United States of America

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally.

Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

We are seeking a motivated and analytical Associate to support the implementation of credit strategies and models within decision engine platform for Santander US Unsecured lending portfolio. In this role, you will work closely with credit risk, data science, and technology teams to operationalize and maintain decision logic that drives automated approvals, credit policies, models and customer lifecycle decisions. This is a critical role to ensure strategic decisions are accurately translated into system logic for real-time execution.

• Translate business and risk strategies into decision engine logic using defined rules, conditions, and configurations.

• Collaborate with credit policy, analytics, model development and product teams to understand strategic intent and ensure accurate deployment in decision systems.

• Support testing, validation, and monitoring of decision strategies prior to and post-production implementation.

• Maintain documentation of decision logic, rule flows, change history, and approval workflows.

• Design and execute test plans to ensure decision rules perform as intended.

• Partner with QA, technology, and analytics teams to validate outputs and ensure alignment with risk frameworks.

• Identify and troubleshoot issues in rules logic or system behavior and recommend corrective actions.

• Conduct thorough testing of the consumer lending processing system, including functional testing , non-functional testing , and acceptance testing .

• Identify and document defects and issues encountered during testing.

• Participate in system integration testing and user acceptance testing .

• Support tracking of decision engine performance, including KPIs like approval rates, automation rates, and error rates.

• Work with analytics and reporting teams to assess the impact of strategy changes and recommend refinements.

• Ensure decision logic aligns with regulatory guidelines and internal governance policies.

• Coordinate with internal stakeholders across risk, product, technology, operations, and compliance.

• Participate in regular strategy reviews and platform enhancement discussions.

• Assist with audits and governance reviews by preparing documentation and providing data or system insights.

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 Business, Finance, Computer Science, Engineering, or related field. - Required.

• Master's Degree in Business, Finance, Computer Science, Engineering, or related field .
  
  - Preferred.

• 5+ Years Risk Management, Credit Risk, or Internal Audit - Required.

• 5+ Years Financial Services industry experience.
  
  - Required.

• 1+ Years Experience in
  software testing
  or
  quality assurance
  roles.
  
  - Required

• Experience with decision engines such as FICO , Experian Power Curve, or Provenir.

• Basic understanding of consumer credit risk, models, lending policies, and/or financial…