This Website Uses Cookies To Allow For Its Correct Operation And The Services Offered. For Further Information, Please Consult Ourcookie Policy.

Associate, Credit Risk

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!

The Difference You Make:

The Associate, Credit Risk drives cross functional analytics projects from beginning to end, builds relationships with partner teams, frames and structures questions, collects and analyzes data, and summarizes key insights in support of decision making. They work with engineers to evangelize data best practices and implement analytics solutions.

• Translates business queries into actionable and commercial insights leveraging unstructured data and statistically robust techniques.
• Drives cross functional analytics projects from beginning to end: builds relationships with partner teams, frames and structures questions, collects and analyzes data, and summarizes key insights in support of decision making.
• Works with engineers to evangelize data best practices and implement analytics solutions.
• Evaluation and discovery of alternative data vendors including ability to quantifiably validate external algorithms and apply insights to commercially driven use cases.
• Performs quantitative analysis, including alpha assessment, risk analysis, portfolio construction and return attribution to enhance investment strategies using sourced and external data.
• Leverages available data tools and collaborate with data scientists and engineers across the firm and adapts data initiatives to needs of business.
• Collaborates across functional areas of our business at every level of seniority to uncover and address opportunities for scalability and growth.

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.

• Bachelor's Degree or equivalent work experience: Statistics, Computer Science, Physical Sciences, Economics, or a equivalent technical field. Required.
• Master's Degree in Statistics, Computer Science, Physical Sciences, Economics, or a equivalent quantitative field. Preferred.
• 5+ Years Data mining/advanced analytics applied to large-scale data-intensive projects. Required.

• Knowledge of the principles of machine earning, classification models, time series regression and stochastic statistics to deliver improved business performance.
• Demonstrated experience with SQL, R or a comparable programming language (such as Python, SAS, SPSS, or MATLAB).
• Demonstrated ability to communicate complex concepts.
• Strong quantitative and problem solving skills with focus hypothesis formulation and testing.
• Strong evidence of leveraging analytics to drive business results.
• Strong project management skills.
• Individually motivated and possess sound judgment, integrity, and a solid work ethic.
• Ability to clearly communicate complex results to technical and non-technical audiences.
• Ability to adapt to various programming languages and environments.
• Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
• Excellent written and verbal communication skills.
• Effective time management in order to efficiently deliver concurrent projects with competing priorities.

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.

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.

Minimum: $76,875.00 USD

Maximum: $130,000.00 USD

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.

What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.