Pricing & Credit Model Analyst (Hybrid… at Santander · Dallas

Summary: Santander is a global leader and innovator in the financial services industry, evolving into a technology-driven organization. The Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan strategies, requiring a hands-on approach to data analysis and collaboration with leadership to translate complex data into actionable business insights. 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 Required Qualifications: - Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - 0-2 Years Auto Finance industry experience - 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 Preferred Qualifications: - Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - 0-2 Years Sales experience with automotive finance lender strongly preferred - Quantitative analysis and decision science experience in Financial Services Industry or equivalent - 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 Required Skills: Quantitative analysis, Statistical modeling, SQL, Python Important Skills: SAS, Data analysis, Excel pivot tables Benefits: Fair and competitive rewards package, Support you, your family and your well-being