Pricing & Credit Model Analyst (Hybrid Position-Dallas)

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

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