Associate, Credit Risk, Liberty Street, New York, NY

Santander•New York, NY

41d

About The Position

We are seeking a motivated and analytical Associate to support the implementation of credit strategies and models within decision engine platform for Santander US Unsecured lending portfolio. In this role, you will work closely with credit risk, data science, and technology teams to operationalize and maintain decision logic that drives automated approvals, credit policies, models and customer lifecycle decisions. This is a critical role to ensure strategic decisions are accurately translated into system logic for real-time execution.

Requirements

Bachelor's Degree in Business, Finance, Computer Science, Engineering, or related field. - Required.
5+ Years Risk Management, Credit Risk, or Internal Audit - Required.
5+ Years Financial Services industry experience. - Required.
1+ Years Experience in software testing or quality assurance roles. - Required
Experience with decision engines such as FICO , Experian PowerCurve, or Provenir.
Basic understanding of consumer credit risk, models, lending policies, and/or financial products.
Experience working in a financial institution or fintech environment.
Strong analytical and problem-solving skills with attention to detail.
Proficiency in Excel; familiarity with SQL, Python, or other analytics tools is a plus.
Excellent written and verbal communication skills.

Nice To Haves

Master's Degree in Business, Finance, Computer Science, Engineering, or related field . - Preferred.
Exposure to agile delivery environments and product/strategy deployment cycles.
Understanding of model-driven decisioning and A/B testing frameworks.

Responsibilities

Strategy Implementation Translate business and risk strategies into decision engine logic using defined rules, conditions, and configurations.
Collaborate with credit policy, analytics, model development and product teams to understand strategic intent and ensure accurate deployment in decision systems.
Support testing, validation, and monitoring of decision strategies prior to and post-production implementation.
Maintain documentation of decision logic, rule flows, change history, and approval workflows.
Testing & Validation Design and execute test plans to ensure decision rules perform as intended.
Partner with QA, technology, and analytics teams to validate outputs and ensure alignment with risk frameworks.
Identify and troubleshoot issues in rules logic or system behavior and recommend corrective actions.
Conduct thorough testing of the consumer lending processing system, including functional testing, non-functional testing, and acceptance testing.
Identify and document defects and issues encountered during testing.
Participate in system integration testing and user acceptance testing.
Performance Monitoring Support tracking of decision engine performance, including KPIs like approval rates, automation rates, and error rates.
Work with analytics and reporting teams to assess the impact of strategy changes and recommend refinements.
Ensure decision logic aligns with regulatory guidelines and internal governance policies.
Cross-functional Collaboration Coordinate with internal stakeholders across risk, product, technology, operations, and compliance.
Participate in regular strategy reviews and platform enhancement discussions.
Assist with audits and governance reviews by preparing documentation and providing data or system insights.