VP, Credit Risk Review Data Scientist

VP, Credit Risk Review Data Scientist

Country: United States of America

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:

This is an individual contributor role. The three primary functions of the Credit Risk Review – Data Science role are to:

1. Maintain and, as and when needed, refine and enhance Credit Risk Review’s (“CRR”) existing applications, including as CRR’s methodologies change and when technological capabilities advance.

2. Ensure the smooth operation of all CRR-specific applications with timely and accurate reporting and output for processes that are “Self-Service” as well as periodic reporting from applications that are dependent on the incumbent’s expertise.

3. Build new applications to advance CRR’s ability to both analyze portfolios and risks as well as the ability to analyze results from CRR’s reviews and continuous monitoring. 

The incumbent will make important contributions to the assessment of the quality, quantity, direction, and overall credit risk in the organization as well as compliance with established underwriting policies, procedures, limits, and concentrations. Specific responsibilities include:

• Extract portfolio data elements from the bank’s systems of record / data warehouses.

• Decipher and organize key portfolio data elements into a format which is understandable and usable by Credit Risk Review (CRR) team-members.

• Data-mine large amounts of portfolio information using Microsoft Excel, Python, SAS, SQL or other tools.

• Innovate, enhance and as needed, build new applications to support advancement of CRR’s analytical capabilities to identify themes, trends and emerging risks.

• Where possible, devise solutions to reduce CRR’s residual manual dependencies.

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, preferably in Data Science, Data Analysis or equivalent field, or equivalent quantitative experience.
• 7-12 Years’ banking experience, preferably concentrated in Data Management or Data Analytics functions.
• Experience with Microsoft Tools and Power Platform preferred (SharePoint, Power & Automate) as well as with Microsoft Excel, SAS, Python, SQL.
• Ability to write code to facilitate the extract of key data elements from the bank’s various data warehouses/data marts, interpreting the elements/attributes of the data,
• Detail-oriented and ability to work independently with limited supervision.
• Strong modeling and data manipulation skills.
• Understanding of credit risk concepts and drive to grow expertise.
• Ability to interact and communicate effectively across the organization.
• Strong written and verbal communication skills; communicate in a timely and straightforward manner.
• Strong time management and organizational skills.
• Team-player and follows through to meet commitments to others.
• Takes responsibility for achieving strong results and delivering on-time while flexible and able to balance multiple complex demands.

Certifications:

• CFA (Chartered Financial Analyst): Finance certifications desired - Preferred.

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:

$108,750.00 USD

Maximum:

$180,000.00 USD

 

We Value Your Impact: