Pricing & Credit Model Analyst (Hybrid Position-Dallas)

Santander • Dallas, TX

6d • Hybrid

About The Position

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 Difference You Make: The Specialist in Pricing & Credit Model Analysis is responsible for developing pricing and risk-based models to optimize Auto loan strategies. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will 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.

Requirements

• Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required.
• 0-2 Years Auto Finance industry experience. - Required.
• Demonstrated ability to use SQL, SAS, or Python to merge, concatenate, and extract insights from multiple data sources.
• Demonstrated ability to create complex pivot tables in MS Excel.
• Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience.
• Strong focus on results, attention to detail, and ability to learn new skills.

Nice To Haves

• Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred.
• 0-2 Years Sales experience with automotive finance lender strongly preferred - Preferred.
• Quantitative analysis and decision science experience in Financial Services Industry or equivalent. - Preferred.
• Familiarity with statistical modeling such as segmentation and variable reduction techniques, design of experiments, decision trees, and regressions.
• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

Responsibilities

• Develops a foundational 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.
• Supports data mining and statistical analysis efforts to generate insights, sound hypotheses, and informed recommendations.
• Contributes to the construction of pricing frameworks that balance yield, risk, and volume objectives.
• Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms.
• Assists in evaluating underwriting strategy, portfolio performance, and credit policies.
• Contribute to continuous process improvements in data quality, reporting, and automation.
• Partners with IT and other internal teams to define data requirements and support the accurate and timely delivery of data for analytics, pricing, and policy initiatives.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level