Senior Associate, Credit Risk Analytics – Auto Loan Servicing

About the role

Join Santander’s Credit Risk team in Dallas as a Senior Associate focused on Auto Loan Servicing. You will monitor portfolio performance, uncover emerging risk trends, and provide actionable insights that shape collection, delinquency, and recovery strategies.

Key responsibilities

• Analyze credit performance metrics such as delinquency trends, roll rates, cure rates, recovery results, and loss figures.
• Develop and maintain recurring and ad‑hoc risk reports for senior leadership.
• Extract, validate, and interpret large data sets using advanced SQL.
• Identify and communicate portfolio trends, opportunities, and emerging risks.
• Create dashboards, presentations, and management reports that support data‑driven decisions.
• Collaborate with collections, analytics, and risk stakeholders on strategic initiatives.
• Ensure reporting accuracy, consistency, and compliance with internal policies and regulatory standards.
• Support risk assessments, control activities, and monitoring processes.

Required profile

• Strong analytical mindset with solid credit risk knowledge.
• Ability to translate complex data into clear business recommendations.
• Excellent communication skills for presenting findings to leadership.
• Detail‑oriented and capable of ensuring data integrity.

Required skills

• Advanced SQL for data extraction and analysis.