Senior Credit Risk Analyst - Auto Financing

About the role

Santander is seeking a Senior Credit Risk Analyst to lead independent risk analysis for its non‑prime auto finance portfolio in Dallas. The role focuses on maintaining credit quality, ensuring regulatory compliance, and driving risk‑reduction initiatives across the department.

Key responsibilities

• Analyze credit risk trends across assigned auto‑finance portfolios and flag emerging issues.
• Review identified credit risks, liabilities, and exposures; partner with business lines to recommend mitigation strategies.
• Support credit risk assessments by analyzing risk data, documenting impacts, and maintaining accurate records.
• Serve as the primary contact for internal inquiries on credit risk, procedures, and regulatory requirements.
• Research emerging credit risks, market trends, and best practices; summarize findings for the team.
• Evaluate existing controls and contingency plans, proposing improvements to enhance effectiveness.
• Prepare review memoranda summarizing liabilities, observations, and recommended follow‑up actions.
• Promote a risk‑aware culture by communicating credit policies and guidelines.

Required profile

• Bachelor’s degree or equivalent experience in Accounting, Business, Statistics, Information Systems, or a related field.
• Extensive experience in credit risk analysis, preferably within auto financing or banking.
• Strong understanding of regulatory requirements and internal control frameworks.
• Ability to interpret complex data, identify trends, and present actionable insights.
• Excellent communication skills for cross‑functional collaboration.

Required skills