Pricing & Credit Model Analyst (Hybrid Position-Dallas)

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:
The Specialist in Pricing & Credit Model Analysis is responsible for developing pricing and risk-based models to optimize Auto loan strategies. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will 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.

Key Responsibilities:

• Develops a foundational understanding of the firm’s operations and business practices.

• Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations.

• Supports data mining and statistical analysis efforts to generate insights, sound hypotheses, and informed recommendations.

• Contributes to the construction of pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms.

• Assists in evaluating underwriting strategy, portfolio performance, and credit policies.

• Contribute to continuous process improvements in data quality, reporting, and automation.

• Partners with IT and other internal teams to define data requirements and support the accurate and timely delivery of data for analytics, pricing, and policy initiatives.

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 or equivalent experience - Required.

• Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred.

• 0-2 Years Auto Finance industry experience.  - Required.

• 0-2 Years Sales experience with automotive finance lender strongly preferred - Preferred.

• Quantitative analysis and decision science experience in Financial Services Industry or equivalent. - Preferred.

• Familiarity with statistical modeling such as segmentation and variable reduction techniques, design of experiments, decision trees, and regressions.

• Demonstrated ability to use SQL, SAS, or Python to merge, concatenate, and extract insights from multiple data sources.

• Demonstrated ability to create complex pivot tables in MS Excel.

• Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience.

• Strong focus on results, attention to detail, and ability to learn new skills.

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.

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.