Credit Risk Analyst

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. As a Sr. Associate, Credit Risk, you play a critical role in protecting the organization’s assets, products, and services by providing independent oversight of credit quality, strengthening risk management practices, and ensuring alignment with regulatory expectations. You help drive sound credit decisioning, proactive risk mitigation, and continuous process improvement while influencing stakeholders and providing subject matter expertise across the organization. Position Summary Provide independent oversight of the credit quality and risk profile of assigned portfolios, ensuring compliance with credit policies, underwriting standards, regulatory requirements, and internal controls. Review, analyze, and evaluate the effectiveness of the Company’s credit risk management program, recommending solutions that improve efficiency, strengthen controls, and reduce risk exposure. Oversee reporting processes to ensure consistent quality, accuracy, completeness, and compliance with internal policies and regulatory expectations. Execute and maintain risk management controls, credit risk assessments, testing activities, and mitigation plans to support ongoing monitoring and governance efforts. Partner with business leaders and control functions to support effective first-line and second-line risk management practices, governance processes, and control frameworks. Monitor portfolio performance and credit quality trends, including delinquencies, risk ratings, industry exposures, and individual credit approvals, while providing effective challenge and oversight. Lead risk mitigation initiatives, business continuity efforts, and incident response activities that support operational resilience, risk reduction, and industry best practices. Serve as a subject matter expert by influencing stakeholders, providing strategic insights, systematizing management reporting, and mentoring team members on credit risk management practices. 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. Education Bachelor's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Required. Master's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Preferred. Professional Experience 9+ years of Risk Management, Credit Risk, or Internal Audit experience – Required. 9+ years of Financial Services or Financial Industry experience – Required. Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities – Required. 9+ years of Consulting experience – Preferred. Languages No specific language requirements identified. Skills Demonstrated ability to translate complex data and risk analysis into clear, concise recommendations for senior leadership and governance committees Experience monitoring key risk indicators (KRIs), performance metrics, and portfolio trends to proactively identify emerging risks and opportunities Ability to develop executive-level reporting, dashboards, and presentations that support strategic decision-making and risk governance. Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations. Experience monitoring portfolio performance across delinquency roll rates, cure rates, recovery performance, and loss metrics. 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. 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. 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. 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. Base Pay Range: Minimum: $101,250.00 USD Maximum: $185,000.00 USD We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. 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. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. #J-18808-Ljbffr