VP, Credit Risk Review Data Scientist

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.  This is more than a strategic shift.  It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

This is an individual contributor role. The three primary functions of the Credit Risk Review – Data Science role are to:

1. Maintain and, as and when needed, refine and enhance Credit Risk Review’s (“CRR”) existing applications, including as CRR’s methodologies change and when technological capabilities advance.

2. Ensure the smooth operation of all CRR-specific applications with timely and accurate reporting and output for processes that are “Self-Service” as well as periodic reporting from applications that are dependent on the incumbent’s expertise.

3. Build new applications to advance CRR’s ability to both analyze portfolios and risks as well as the ability to analyze results from CRR’s reviews and continuous monitoring. 

The incumbent will make important contributions to the assessment of the quality, quantity, direction, and overall credit risk in the organization as well as compliance with established underwriting policies, procedures, limits, and concentrations. Specific responsibilities include:

• Extract portfolio data elements from the bank’s systems of record / data warehouses.

• Decipher and organize key portfolio data elements into a format which is understandable and usable by Credit Risk Review (CRR) team-members.

• Data-mine large amounts of portfolio information using Microsoft Excel, Python, SAS, SQL or other tools.

• Innovate, enhance and as needed, build new applications to support advancement of CRR’s analytical capabilities to identify themes, trends and emerging risks.

• Where possible, devise solutions to reduce CRR’s residual manual dependencies.

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.

• Bachelor's Degree, preferably in Data Science, Data Analysis or equivalent field, or equivalent quantitative experience.
• 7-12 Years’ banking experience, preferably concentrated in Data Management or Data Analytics functions.
• Experience with Microsoft Tools and Power Platform preferred (SharePoint, Power & Automate) as well as with Microsoft Excel, SAS, Python, SQL.
• Ability to write code to facilitate the extract of key data elements from the bank’s various data warehouses/data marts, interpreting the elements/attributes of the data,
• Detail-oriented and ability to work independently with limited supervision.
• Strong modeling and data manipulation skills.
• Understanding of credit risk concepts and drive to grow expertise.
• Ability to interact and communicate effectively across the organization.
• Strong written and verbal communication skills; communicate in a timely and straightforward manner.
• Strong time management and organizational skills.
• Team-player and follows through to meet commitments to others.
• Takes responsibility for achieving strong results and delivering on-time while flexible and able to balance multiple complex demands.

Certifications:

• CFA (Chartered Financial Analyst): Finance certifications desired - Preferred.

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.
• Experience in Microsoft Office products.

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:

We Value Your Impact:

Your contribution matters and it’s recognized.  You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers.  Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 

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, standing and 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 TAOps@santander.us to discuss your needs.