Duties:  Lead the monitoring, evaluation, and governance of credit risk across consumer lending portfolios, ensuring alignment with established risk appetite, credit policies, and regulatory requirements. Analyze portfolio performance and credit risk trends across the credit lifecycle, including delinquency, non-performing loans (NPLs), loss performance, and recovery outcomes, to identify emerging risks and inform strategic decision-making. Lead the design, implementation, and optimization of servicing and collections strategies. Drive the development and implementation of credit risk policies, frameworks, and governance processes in alignment with enterprise standards and regulatory guidance. Establish monitoring frameworks, identify control gaps, and direct remediation efforts. Lead cross-functional teams to execute credit risk management initiatives. Oversee risk governance activities. Drive strategic initiatives for process optimization, system enhancements, automation, and adoption of best practices. Direct the development and application of advanced analytics, including segmentation, behavioral modeling, and performance forecasting, to support proactive risk identification and portfolio management.

Requirements:  Master’s degree in Data Science, Business Analytics, Statistics or Risk Management, plus 3 years of experience in the position offered or as Credit Risk Associate at a bank or financial institution. All required experience must include: executing credit risk management and portfolio oversight across consumer lending lifecycle; evaluating and refining credit risk frameworks, policies and governance processes; performing quantitative and data-driven analysis of servicing and collections data including delinquency trends, roll rates, cure rates and loss performance using SQL, SAS, Python and data visualization platforms (e.g. Tableau, Power BI or similar); analyzing large and complex datasets to identify emerging risk patterns; translating analytical findings into actionable business and risk strategies; implementing credit risk strategies, policy enhancements, and process improvements across cross-functional teams (risk, operations, servicing); and communicating complex analytical and risk concepts to senior management and stakeholders.

Details:  Full-time. This role entails hybrid work, with time split between working in our Dallas, TX office and flexibility to telecommute from another U.S. location.

Contact:  Christie Harpster or christianne.harpster@santander.us. Ref. #01087.

This Notice is being provided as a result of the filing of an application for permanent alien labor certification for the opportunity. Any person may provide documentary evidence bearing on the application to:

U.S. Department of Labor

Employment and Training Administration, Office of Foreign Labor Certification

200 Constitution Avenue NW, Room N-5311

Washington, DC 20210