Santander
financial services
Pricing&CreditModelAssociate(HybridPosition)
Neural analysis suggests this role is
optimal for Mid candidates.
“Pricing & Credit Model Associate (Hybrid Position) at Santander. Skills: pricing and risk-based models, credit scoring models, quantitative modeling, statistical techniques, data analysis, SAS, SQL. Develops a thorough 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.”
Industry & Context.
strategic business problem solving; quantitative modeling expertise; analyze trends; uncover risks and opportunities; develop analytic insights; sound hypotheses; informed recommendations; develop actionable recommendations
Hybrid role requiring up to 3 days/week in the office., 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 They're Looking For.
Must Have
Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience., 5+ Years Analytics in Financial Services Industry., Demonstrated experience with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression., Prior experience working with credit bureau data., Prior experience using SAS, particularly SAS base, SAS/STAT, PROC SQL, and SAS Macro programming., Demonstrated ability to use SQL and SAS to extract data from multiple data sources., Demonstrated ability to merge, concatenate, clean, and prepare extremely large datasets for statistical analysis and mathematical model development., Demonstrated ability to create complex pivot tables in MS Excel., Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience., Ability to translate analysis into a clear business plan., written and verbal communication skills., Ability to delegate and co-ordinate multiple tasks related to the development and monitoring of statistical models.
Nice to Have
Master's Degree: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience., Ph. D.: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience., 5+ Years Indirect subprime Auto Financial Services Industry experience., 5+ Years Prior experience developing credit scoring models preferred., Additional knowledge of R preferred.
What You'll Do.
Develops a thorough 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.
Utilizes data mining and statistical techniques to develop analytic insights
and informed recommendations.
Develop pricing frameworks that balance yield
and volume objectives.
Incorporate credit risk
collateral trend and market data into pricing algorithms.
Develop actionable recommendations to improve underwriting strategy
portfolio performance
Participates in the construction of complex mathematical models – including credit origination and customer behavior scorecards - which directly support critical decision-making processes.
Contribute to continuous process improvements in data quality
Encapsulates analytic findings into executive-level summary documents to support senior management decision-making.
How You'll Work.
Team & Collaboration
work closely with credit risk, finance, data science, and product teams; work closely with leadership; Partners with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects, changes to Pricing & Policy.
Communication Scope
Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience.; Ability to translate analysis into a clear business plan.; written and verbal communication skills.; Encapsulates analytic findings into executive-level summary documents to support senior management decision-making.
Process & Methodology
Ability to delegate and co-ordinate multiple tasks related to the development and monitoring of statistical models.
Full Job Description
Pricing & Credit Model Associate (Hybrid Position) Country: United States of America **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 Associate, Model Development is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. * Develops a thorough 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. * Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations. * Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms. * Develop actionable recommendations to improve underwriting st
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