Specialist, Pricing & Credit Model Development - (Hybrid Position-Dallas)
Santander is a global leader and innovator in the financial services industry, evolving into a technology-driven organization. The Specialist in Pricing & Credit Model Development participates in developing and maintaining sophisticated empirical models for a nonprime auto lender, focusing on data analysis and model construction to support decision-making processes.
Responsibilities
- Participates in the construction of complex mathematical models – including credit origination and customer behavior scorecards - which directly support critical decision making processes and the company’s overall understanding of our business, the markets within which we operate, and our customers
- Assists in developing the underlying assumptions, theory, empirical evidence, and conceptual soundness of statistical and mathematical models
- Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations
- Uses internal and external data sources to create robust model development datasets
- Ensures modeling projects are conducted in accordance with established company policies and generally-accepted mathematical modeling practices
- Encapsulates analytic findings into executive-level summary documents to support senior management decision-making
- Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations
- Liaisons internal and external teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects
Skills
- 0+ Years Auto Finance industry experience
- Thorough knowledge of credit policy rules, state and federal regulations and application processing systems is required
- Working business knowledge of credit application systems and DMS providers
- Demonstrated ability to understand high level financial and process concepts, and create product process roadmaps
- Ability to formulate and present clear and persuasive presentations, proposals, and project plans
- Ability to explain statistical concepts to a business audience
- Excellent written and verbal communication skills
- Excellent interpersonal skills
- Ability to maintain confidentiality
- Bachelor's Degree or equivalent work experience: Business, Finance, or equivalent degree
- 0+ Years Sales experience with automotive finance lender strongly preferred
- Sales experience with automotive finance lender strongly preferred
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
- Experience in Microsoft Office products
Company Overview