Energy Jobline ZR
Pricing & Credit Model Analyst (Hybrid Position) in Dallas
Energy Jobline ZR, Dallas, Texas, United States, 75215
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Pricing & Credit Model Analyst (Hybrid Position)
Country: United States of America
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. The Difference You Make
The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models—including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a hands‑on approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. Responsibilities
Develop a thorough understanding of the firm’s operations and business practices. Apply statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations. Utilize data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations. Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend, and market data into pricing algorithms. Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. Explore opportunities to enhance the Dealer Management program to grow our business with top‑performing partners. Participate in the construction of complex mathematical models—including credit origination and customer behavior scorecards—directly supporting critical decision‑making processes. Contribute to continuous process improvements in data quality, reporting, and automation. Liaison with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects and changes to Pricing & Policy. Encapsulate analytic findings into executive‑level summary documents to support senior management decision‑making. 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 or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required. Master’s Degree or equivalent experience may also be considered. Ph.D. in a related quantitative discipline is preferred. 3+ Years of analytics experience in the financial services industry or equivalent. 3+ years of indirect subprime auto financial services industry experience. 3+ years of prior experience developing credit scoring models. Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression. Prior experience working with credit bureau data. Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python or R. Ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development. Ability to create complex pivot tables in MS Excel. Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience. Ability to translate analysis into a clear business plan. Strong written and verbal communication skills. Ability to maintain confidentiality. Certifications
No certifications listed for this job. Location
Dallas, Texas. Hybrid role requiring up to 3 days/week in the office. Compensation
Base Pay Range: Minimum: $67,500.00 USD Maximum: $140,000.00 USD Benefits
Link to Santander Benefits: Santander Benefits - 2025 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 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 genetics, 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 of light equipment and/or furniture may be required. Additional Information
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. If you are interested in applying for this job please press the Apply Button and follow the application process. 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 TAOps@santander.us to discuss your needs.
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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. The Difference You Make
The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models—including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a hands‑on approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. Responsibilities
Develop a thorough understanding of the firm’s operations and business practices. Apply statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations. Utilize data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations. Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend, and market data into pricing algorithms. Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. Explore opportunities to enhance the Dealer Management program to grow our business with top‑performing partners. Participate in the construction of complex mathematical models—including credit origination and customer behavior scorecards—directly supporting critical decision‑making processes. Contribute to continuous process improvements in data quality, reporting, and automation. Liaison with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects and changes to Pricing & Policy. Encapsulate analytic findings into executive‑level summary documents to support senior management decision‑making. 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 or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required. Master’s Degree or equivalent experience may also be considered. Ph.D. in a related quantitative discipline is preferred. 3+ Years of analytics experience in the financial services industry or equivalent. 3+ years of indirect subprime auto financial services industry experience. 3+ years of prior experience developing credit scoring models. Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression. Prior experience working with credit bureau data. Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python or R. Ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development. Ability to create complex pivot tables in MS Excel. Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience. Ability to translate analysis into a clear business plan. Strong written and verbal communication skills. Ability to maintain confidentiality. Certifications
No certifications listed for this job. Location
Dallas, Texas. Hybrid role requiring up to 3 days/week in the office. Compensation
Base Pay Range: Minimum: $67,500.00 USD Maximum: $140,000.00 USD Benefits
Link to Santander Benefits: Santander Benefits - 2025 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 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 genetics, 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 of light equipment and/or furniture may be required. Additional Information
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. If you are interested in applying for this job please press the Apply Button and follow the application process. 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 TAOps@santander.us to discuss your needs.
#J-18808-Ljbffr