Senior Associate, Credit Risk Analytics – Auto Loan Servicing

Santander Consumer USA Inc.; Dallas (TX); On-site; USD 101,000 - 185,000; Full time

Job summary

Santander Consumer USA Inc. is seeking a Senior Associate, Credit Risk to monitor and analyze the Auto Loan Servicing portfolio, delivering actionable credit risk insights across collections, delinquency management, recoveries, and portfolio performance.

You will leverage SQL to extract large datasets, develop dashboards and management reporting, and partner with risk stakeholders to drive data-driven decisions. The role emphasizes compliance and accurate reporting to leadership.

Qualifications

• 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 Analytical Risk Management, Credit Risk, or Internal Audit experience – Required.

Responsibilities

• Analyze and monitor credit performance across Santander's Auto Loan Servicing portfolio, including delinquency trends, roll rates, cure rates, recovery performance, and loss metrics.
• Develop, maintain, and enhance recurring and ad hoc credit risk reporting used by Credit Risk leadership to monitor portfolio performance and emerging risks.
• Utilize advanced SQL to extract, analyze, and validate large datasets, translating complex information into clear, actionable business recommendations.
• Identify, investigate, and communicate portfolio trends, opportunities, and emerging risk issues that may impact servicing strategies or portfolio performance.
• Create dashboards, presentations, and management reporting that tell a clear story and support data-driven decision-making.
• Partner with servicing, collections, analytics, and risk stakeholders to understand business challenges and provide analytical support for strategic initiatives.
• Ensure reporting accuracy, consistency, and compliance with internal policies, risk governance standards, and regulatory expectations.
• Support risk assessments, control activities, and monitoring processes that strengthen portfolio oversight and risk management practices.
• Present findings and recommendations to Credit Risk leadership and business partners in a concise and effective manner.

Skills

Credit risk analysis

SQL expertise

Executive-level reporting

Portfolio risk monitoring

Regulatory knowledge

Stakeholder communication

Project management

Credit policy knowledge

Education

Bachelor's degree

Master's degree

Job description

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 Senior Associate, Credit Risk supports the ongoing monitoring and analysis of Santander's Auto Loan Servicing portfolio. They are responsible for delivering actionable credit risk insights across key servicing functions, including collections, delinquency management, recoveries, and portfolio performance. Leveraging strong credit risk expertise, advanced analytical capabilities, and business acumen, the Senior Associate helps enhance portfolio oversight, identify emerging trends, and drive continuous improvement across servicing operations.

Position Summary

• Analyze and monitor credit performance across Santander's Auto Loan Servicing portfolio, including delinquency trends, roll rates, cure rates, recovery performance, and loss metrics.
• Develop, maintain, and enhance recurring and ad hoc credit risk reporting used by Credit Risk leadership to monitor portfolio performance and emerging risks.
• Utilize advanced SQL to extract, analyze, and validate large datasets, translating complex information into clear, actionable business recommendations.
• Identify, investigate, and communicate portfolio trends, opportunities, and emerging risk issues that may impact servicing strategies or portfolio performance.
• Create dashboards, presentations, and management reporting that tell a clear story and support data-driven decision-making.
• Partner with servicing, collections, analytics, and risk stakeholders to understand business challenges and provide analytical support for strategic initiatives.
• Ensure reporting accuracy, consistency, and compliance with internal policies, risk governance standards, and regulatory expectations.
• Support risk assessments, control activities, and monitoring processes that strengthen portfolio oversight and risk management practices.
• Present findings and recommendations to Credit Risk leadership and business partners in a concise and effective manner.
• Serve as a subject matter resource for portfolio analytics, servicing risk trends, and credit risk reporting methodologies.

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 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.

Professional Experience

• 9+ years of Analytical 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.

Languages

• No specific language requirements identified.

Skills

• 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 performance across delinquency roll rates, cure rates, recovery performance, and loss metrics.
• Advanced knowledge of operational, accounting, credit, regulatory, market, and technology risks within the financial services industry.
• Demonstrated knowledge of credit policies, procedures, regulations, and applicable laws.
• Strong credit analysis capabilities, including assessment of and exposure evaluation.
• Experience interacting with regulators, external auditors, and internal audit partners.
• Ability to analyze risk and design effective controls and processes that mitigate or reduce risk exposure.
• Superior project management skills with the ability to manage multiple priorities in a fast-paced environment.
• Strong presentation skills with the ability to communicate complex risk concepts to diverse audiences.
• Excellent written and verbal communication skills.
• Ability to build relationships and effectively interact with stakeholders at all levels of the organization.
• Ability to work independently while collaborating effectively within a team environment.
• Demonstrated ability to prioritize competing demands, manage conflicts of interest, delegate appropriately, and consistently meet deadlines.

Certifications:

No certifications listed for this job.

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.

Work Authorization & Sponsorship:

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

employment.

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: $101,250.00 USD

Maximum: $185,000.00 USD

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 (foleon.com)

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, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.