Santander Consumer USA · 8 hours ago
Pricing & Credit Model Analyst (Hybrid Position)
Dallas, TX
Full-time
Hybrid
Mid, Senior Level
$66K/yr - $145K/yr
3+ years expSantander Consumer USA is a global leader in the financial services industry, focusing on a technology-driven transformation. They are seeking a Sr. Specialist, Pricing & Credit Model Analyst responsible for developing pricing and risk-based models to optimize auto loan pricing strategies, while collaborating with various teams to deliver actionable insights.
Financial Services
Responsibilities
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 strategy, portfolio performance, and credit policies
Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners
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, reporting, and automation
Liaisons 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
Encapsulates analytic findings into executive-level summary documents to support senior management decision-making
Qualification
Required
Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required
3+ Years Analytics in Financial Services Industry or equivalent. - Required
Preferred
Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred
Ph.D. Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Preferred
3+ Years Indirect subprime Auto Financial Services Industry experience. - Preferred
3+ Years Prior experience developing credit scoring models preferred. - Preferred
Familiarity 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 preferred
Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python/R preferred
Demonstrated ability to merge, concatenate, 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
Strong written and verbal communication skills
Ability to maintain confidentiality
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
Company
Santander Consumer USA
In 1995, a group of young entrepreneurs thought they could make their mark on the world of automotive finance by thinking a little bigger and a lot bolder than the competition.
5001-10000 employees
H1B Sponsorship
Santander Consumer USA has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (30)
2024 (39)
2023 (37)
2022 (31)
2021 (30)
2020 (34)
Funding
Current Stage
Late StageLeadership Team
Bruce Jackson
Chief Executive Officer
Ray Gill
Chief Of Staff to the CEO
Company data provided by crunchbase