Pricing & Credit Model Analyst

Banco Santander Brazil-posted 3 months ago
$67,500 - $140,000/Yr
Full-time • Mid Level
Dallas, TX
5,001-10,000 employees
Credit Intermediation and Related Activities
Resume
Match Score
Upload and Match ResumeTrack Jobs with Teal

The Sr. Specialist, Model Development is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a 'hands-on' approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness.

  • Develops a thorough understanding of the firm's operations and business practices.
  • Uses internal and external data sources to create robust model development and analytical datasets.
  • 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.
  • Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms.
  • Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners.
  • Encapsulates analytic findings into executive-level summary documents to support senior management decision-making.
  • Participates in the construction of complex mathematical models - including credit origination and customer behavior scorecards.
  • Liaisons with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects.
  • Develops the underlying assumptions, theory, empirical evidence, and conceptual soundness of statistical and mathematical models.
  • Ensure model documentations, validation, and governance aligned with internal policies and regulatory expectations.
  • Bachelor's Degree or equivalent work experience in Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required.
  • 3+ Years Analytics in Financial Services Industry or equivalent.
  • Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression.
  • Demonstrated ability to use SQL and SAS to extract data from multiple data sources.
  • 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.
  • Strong written and verbal communication skills.
  • Ability to maintain confidentiality.
  • Master's Degree or Ph.D. in Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline preferred.
  • 3+ Years Indirect subprime Auto Financial Services Industry experience preferred.
  • 3+ Years Prior experience developing credit scoring models preferred.
  • Prior experience working with credit bureau data preferred.
  • Working knowledge of Python/R preferred.
  • Base Pay Range: Minimum $67,500.00 USD, Maximum $140,000.00 USD
  • Opportunities for continuous learning and development.
  • Supportive culture of engagement and commitment to success.
Track Jobs with Teal

Job Search Resources

•
Resume Builder
•
Pricing Analyst Resume Examples
•
Pricing Analyst Cover Letter Examples

Tools

Career Hubs

Guides

Company

© 2024 Teal Labs, Inc
Privacy PolicyTerms of Service