Senior Credit Risk Analyst

Responsibilities

• Perform independent risk analysis and oversight of the credit quality for the prime auto finance portfolio.
• Analyze credit risk trends across assigned portfolios and escalate emerging issues according to company policy.
• Partner with business lines to recommend mitigation strategies and follow-up actions for identified risks and exposures.
• Support credit risk assessments by analyzing risk data and maintaining accurate documentation of business and operational impacts.
• Research emerging credit risks, market trends, and best practices to summarize findings for the team.
• Evaluate existing controls and contingency plans, recommending improvements to increase effectiveness and reduce risk.
• Prepare review memoranda summarizing liabilities, observations, and recommended follow-up evaluations.
• Reinforce a risk-aware culture through the clear communication of credit and risk policies.

Requirements

• Bachelor's Degree in Finance, Accounting, Statistics, Information Systems, Economics, or a related field.
• 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field.
• 1+ years of experience with SQL or Python programming.
• Experience with Power BI or similar data visualization and analytics tools.
• Proficiency in Microsoft Office 365 (Excel, PowerPoint, Word, Teams, and Outlook).
• Strong quantitative capabilities and the ability to work with large, complex datasets.
• Excellent written and verbal communication skills for documenting and presenting findings.

Preferred Qualifications

• Master's Degree in a quantitative or business-related field.
• Basic understanding of reporting, dashboarding, and data visualization concepts.
• Experience querying, validating, and reconciling data from multiple sources.

About the Company

Santander is a global leader and innovator in the financial services industry, evolving into a technology-driven organization. We value bold thinking, innovation, and a customer-centric approach to driving transformation in the digital age.