It Starts Here:

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 Sr. Analyst, Loss Forecasting is responsible for design, development and supporting of loss forecasting framework/methodologies/tools for Santander consumer auto portfolios. Sr. Analyst, Loss Forecasting is expected to work across business lines to define and build risk-based analytical datasets, performs data analysis, and delivers analytical solutions that meet the Company's strategic initiatives and risk planning activities for their designated business area.

• The Sr. Analyst, Loss Forecasting is responsible supporting loss forecasting process by developing forecast methodologies/tools and forecasting gross loss and recoveries. Activities may include data extraction, quantitative/predictive analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.
  
  Ensures adherence to the policies and procedures established by the company. Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies. Monitors and manages models, risk/exposure and compliance with the company's policies. Identifies, manages and reports on the company's risk areas. Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.
  
  Essential Functions/Responsibility Statements:
  Support loss forecasting methodologies design, development and ongoing support.
  Provides thoughtful risk-based analysis to enhance portfolio management,  reporting functionality and automation of processes.
  Recommends formatting improvements to current reporting processes.
  Prepares and analyzes extensive data for timely and accurate managerial reporting, budgeting and planning, internal/external audits, ad hoc requests, etc.
  Creates and maintains various dashboard(s) to report on metrics and results.
  Performs extensive data analysis including trends and insights on drivers, variance analysis, data profiling and data quality analysis.
  Mines and analyzes data from both internal and external databases to drive optimization and process improvements.
  Facilitates effective communications among business lines and leadership to ensure comprehensive understanding of needs, expectations, and requirements.
  Collaborates with Risk Analytics subject matter experts to identify valuable practices and develop strategies to implement and track. Develops effective predictive tools, processes, and templates to enable efficient delivery of services.

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.

Education:
Bachelor's Degree or equivalent work experience: Finance, Economics, Management Information Systems, Statistics or equivalent quantitative field with 3+ years of experience. Required

Master's Degree Finance, Economics, Management Information Systems, Statistics or equivalent quantitative field. Preferrable

Work Experience:
3+ Years Risk Analyst, Risk Management, Analyst Required

Skills and Abilities:

• Advanced Knowledge of loss forecasting methodologies predictive/classification algorithms, modeling, data mining, and segmentation techniques.
• Advanced knowledge and experience using statistical packages for analyzing data sets and developing predictive tools for loss forecasting (e.g. R and Python).
• Advanced knowledge of statistical applications within Financial Services to interpret data requests and identify data analytics opportunities. Demonstrated experience identifying, scrutinizing, improving, and streamlining complex work processes and simplifying difficult concepts.
• Advanced knowledge of statistics, Machine Learning and/or other quantitative analysis techniques.
• Ability to synthesize information from a variety of data sources into a logical, organized and concise manner.
• Strong written and verbal communication skills.
• Strong analytical, problem solving and critical thinking skills.
• Detail orientated with the ability to also understand overall strategy.
• Demonstrated data analysis, data presentation, and data development skills.
• Ability to interact with all levels of employees, including senior level management.
• Ability to leverage technology to improve and automate business tasks.
• Strong Project Management skills.
• Strong attention to details and can analyze information quickly.

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.