Director, Credit Risk, Liberty Street, New York, NY
Director, Credit Risk, Liberty Street, New York, NY
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1 Vacancy
Job Description
Your Journey Starts Here:
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized enabling you to thrive both professionally and personally. Here you will find ample opportunities to connect and collaborate with talented colleagues from around the world sharing insights and driving innovation together. Join us at Santander where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits if you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make:
- Develops credit strategies to improve the credit performance by leveraging data machine learning models and advanced analytics tools to optimize risk decisions. Designs A/B tests and understand the risk-return trade-offs
- Coordinates implementation and associated controls for underwriting line management and targeting criteria with internal tech and vendor systems
- Partners with second line risk management professionals on challenge and monitoring of credit strategies
- Monitors vintages and portfolio by customer segments provides vintage loss forecast for profitability calculations.
- Works with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements
What You Bring:
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelors Degree Required: Business Statistics Information Systems Engineering Finance Economics
Masters Degree Preferred: Business Statistics Information Systems Engineering Finance Economics
10 Years Credit Risk Management experience within Financial Industry including experience dealing with U.S. regulatory agencies required.
5 Years Management/leadership experience. - Required.
5 Years First Line of Defense Credit Risk experience required.
- Prior experience in credit bureaus credit decision engines credit modeling for underwriting and portfolio management decisions income/identity verification and loss forecasting
- Solid knowledge of one of the current portfolios (card loans loc)
- Hands on expertise in doing advance analytics using SAS R python and working knowledge of tech infrastructure required to run loans and credit cards
- Ability to work in a matrixed organization and drive consensus based decisioning
Certifications:
No Certifications listed for this job.
It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience training military service or education.
What Else You Need To Know:
The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt) the annual range is based on a 40-hour work week. The exact compensation may vary based on skills experience training licensure and certifications and location.
Base Pay Range
Minimum:
Maximum:
Link to Santander Benefits:
Santander Benefits - 2025 Santander OnGoing/NH eGuide ()
Risk Culture:
We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
EEO Statement:
At Santander we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin genetics disability age veteran status or any other characteristic protected by law.
Working Conditions:
Frequent minimal physical effort such as sitting standingand walking is required for this role. Depending on location occasional moving and lifting light equipment and/or furniture may be required.
Employer Rights:
This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
What To Do Next:
If this sounds like a role you are interested in then please apply.
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason please contact us at to discuss your needs.
Required Experience:
Director
Employment Type
Full-Time
