Santander Bank, N.A. is a global leader in the financial services industry, evolving into a technology-driven organization. The Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan strategies, requiring a hands-on approach to data analysis and collaboration with leadership to translate data insights into business actions.
Responsibilities
- Develops a foundational understanding of the firm’s operations and business practices
- Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations
- Supports data mining and statistical analysis efforts to generate insights, sound hypotheses, and informed recommendations
- Contributes to the construction of pricing frameworks that balance yield, risk, and volume objectives
- Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms
- Assists in evaluating underwriting strategy, portfolio performance, and credit policies
- Contribute to continuous process improvements in data quality, reporting, and automation
- Partners with IT and other internal teams to define data requirements and support the accurate and timely delivery of data for analytics, pricing, and policy initiatives
Skills
- Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience
- 0-2 Years Auto Finance industry experience
- Quantitative analysis and decision science experience in Financial Services Industry or equivalent
- Familiarity with statistical modeling such as segmentation and variable reduction techniques, design of experiments, decision trees, and regressions
- Demonstrated ability to use SQL, SAS, or Python to merge, concatenate, and extract insights from multiple data sources
- Demonstrated ability to create complex pivot tables in MS Excel
- Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience
- Strong focus on results, attention to detail, and ability to learn new skills
- Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience
- 0-2 Years Sales experience with automotive finance lender strongly preferred
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
- Experience in Microsoft Office products
Company Overview
At Santander Bank, it’s our mission to help people and businesses prosper. It was founded in 2013, and is headquartered in Boston, Massachusetts, USA, with a workforce of 5001-10000 employees. Its website is https://www.santanderbank.com.Company H1B Sponsorship
Santander Bank, N.A. has a track record of offering H1B sponsorships, with 44 in 2025, 36 in 2024, 61 in 2023, 66 in 2022, 78 in 2021, 69 in 2020. Please note that this does not guarantee sponsorship for this specific role.