Senior Associate, Credit Risk Analytics – Auto Loan Servicing
$101,250–$101,250 year
On-siteMiami, Florida, United States or Boston, Massachusetts, United States
Job Summary
Analyze and monitor credit performance across Santander's Auto Loan Servicing portfolio, including delinquency trends, roll rates, cure rates, recovery performance, and loss metrics. Develop, maintain, and enhance recurring and ad hoc credit risk reporting used by Credit Risk leadership to monitor portfolio performance and emerging risks. Utilize advanced SQL to extract, analyze, and validate large datasets, translating complex information into clear, actionable business recommendations. Identify, investigate, and communicate portfolio trends, opportunities, and emerging risk issues that may impact servicing strategies or portfolio performance. Create dashboards, presentations, and management reporting that tell a clear story and support data-driven decision-making. Partner with servicing, collections, analytics, and risk stakeholders to understand business challenges and provide analytical support for strategic initiatives. Ensure reporting accuracy, consistency, and compliance with internal policies, risk governance standards, and regulatory expectations. Present findings and recommendations to Credit Risk leadership and business partners in a concise and effective manner. Serve as a subject matter resource for portfolio analytics, servicing risk trends, and credit risk reporting methodologies.
Required Qualifications
- Bachelor's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education
- 9+ years of Analytical Risk Management, Credit Risk, or Internal Audit experience
- 9+ years of Financial Services or Financial Industry experience
- Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities
- Work Authorization & Sponsorship: Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment
- Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations
- Advanced knowledge of operational, accounting, credit, regulatory, market, and technology risks within the financial services industry
- Demonstrated knowledge of credit policies, procedures, regulations, and applicable laws
- Strong credit analysis capabilities, including assessment of and exposure evaluation
- Experience interacting with regulators, external auditors, and internal audit partners
- Ability to analyze risk and design effective controls and processes that mitigate or reduce risk exposure
- Superior project management skills with the ability to manage multiple priorities in a fast-paced environment
- Strong presentation skills with the ability to communicate complex risk concepts to diverse audiences
- Excellent written and verbal communication skills
- Ability to build relationships and effectively interact with stakeholders at all levels of the organization
- Ability to work independently while collaborating effectively within a team environment
- Demonstrated ability to prioritize competing demands, manage conflicts of interest, delegate appropriately, and consistently meet deadlines
Desired Qualifications
- Master's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education
- 9+ years of Consulting experience
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