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About the Role

As a Sr. Associate, Credit Risk, you play a critical role in protecting the organization’s assets, products, and services by providing independent oversight of credit quality, strengthening risk management practices, and ensuring alignment with regulatory expectations. You help drive sound credit decisioning, proactive risk mitigation, and continuous process improvement while influencing stakeholders and providing subject matter expertise across the organization.

Responsibilities

Provide independent oversight of the credit quality and risk profile of assigned portfolios, ensuring compliance with credit policies, underwriting standards, regulatory requirements, and internal controls.
Review, analyze, and evaluate the effectiveness of the Company's credit risk management program, recommending solutions that improve efficiency, strengthen controls, and reduce risk exposure.
Oversee reporting processes to ensure consistent quality, accuracy, completeness, and compliance with internal policies and regulatory expectations.
Execute and maintain risk management controls, credit risk assessments, testing activities, and mitigation plans to support ongoing monitoring and governance efforts.
Partner with business leaders and control functions to support effective first-line and second-line risk management practices, governance processes, and control frameworks.
Monitor portfolio performance and credit quality trends, including delinquencies, risk ratings, industry exposures, and individual credit approvals, while providing effective challenge and oversight.
Lead risk mitigation initiatives, business continuity efforts, and incident response activities that support operational resilience, risk reduction, and industry best practices.
Serve as a subject matter expert by influencing stakeholders, providing strategic insights, systematizing management reporting, and mentoring team members on credit risk management practices.

Requirements

Bachelor's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Required.
9+ years of Risk Management, Credit Risk, or Internal Audit experience – Required.
9+ years of Financial Services or Financial Industry experience – Required.
Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities – Required.
9+ years of Consulting experience – Preferred.
Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

Skills

Demonstrated ability to translate complex data and risk analysis into clear, concise recommendations for senior leadership and governance committees
Experience monitoring key risk indicators (KRIs), performance metrics, and portfolio trends to proactively identify emerging risks and opportunities
Ability to develop executive-level reporting, dashboards, and presentations that support strategic decision-making and risk governance.
Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations.
Experience monitoring portfolio performance across delinquency roll rates, cure rates, recovery performance, and loss metrics.
Advanced knowledge of operational, accounting, credit, regulatory, market, and technology risks within the financial services industry.
Demonstrated knowledge of credit policies, procedures, regulations, and applicable laws.
Strong credit analysis capabilities, including assessment of and exposure evaluation.
Experience interacting with regulators, external auditors, and internal audit partners.
Ability to analyze risk and design effective controls and processes that mitigate or reduce risk exposure.
Superior project management skills with the ability to manage multiple priorities in a fast-paced environment.
Strong presentation skills with the ability to communicate complex risk concepts to diverse audiences.
Excellent written and verbal communication skills.
Ability to build relationships and effectively interact with stakeholders at all levels of the organization.
Ability to work independently while collaborating effectively within a team environment.
Demonstrated ability to prioritize competing demands, manage conflicts of interest, delegate appropriately, and consistently meet deadlines.

Location

United States of America

Work Type

Full-time

Experience Level

Senior
9+ years

Education Level

Bachelor's Degree
Master's Degree

Salary/Compensations

$101,250.00 USD
$185,000.00 USD

Benefits

Competitive rewards package
Benefits designed to support you, your family and your well-being

About the Company

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.

Equal Opportunity

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.