As a Pricing & Credit Model Associate at Santander, you will join the Auto Finance team as a key player in developing and maintaining sophisticated pricing and risk-based models for auto loan strategies. Your day-to-day responsibilities include analyzing data trends, creating actionable insights, and collaborating with cross-functional teams to optimize pricing frameworks that balance yield, risk, and volume objectives. You will leverage statistical techniques such as logistic regression, neural networks, and decision trees to develop credit scoring models and scorecards, ensuring they support critical business decisions. The role requires expertise in SAS (SAS Base, PROC SQL) and R, along with strong data manipulation skills using SQL and Excel. Ideal candidates have a background in quantitative disciplines like statistics or economics, coupled with 5+ years of experience in financial services, particularly in the subprime auto sector.
Skills
SAS
SQL
R
Python
Logistic Regression
Neural Networks
Decision Trees
Linear Regression
Data Mining
Statistical Analysis
Credit Scoring Models
Pivot Tables
Excel
CI/CD
What you'll do
Develops pricing frameworks that balance yield, risk, and volume objectives.
Analyzes trends and risks using statistical techniques for portfolio management.
Proficiency with SAS (SAS Base, STAT, PROC SQL, Macro programming) and R preferred
Ability to extract, clean, and prepare large datasets for statistical analysis using SQL and SAS
Strong communication skills to translate complex data insights into business actions
Demonstrated experience in logistic regression, neural networks, decision trees, and linear regression
Market check
Salary context
This
$90,000–$90,000
range sits above
3%
of similar postings on FindRole.
Peer median band
$135,600–$188,100
Median floor and ceiling across peers.
Typical midpoint (25–75%)
$127,800–$204,000
Middle half of comparable postings.
Based on 239 comparable postings.*
* 240 is the maximum number of comparable postings sampled.
Employer
About Santander
Santander is one of the world''s largest banks headquartered in Spain, providing retail, commercial, and investment banking services to individuals, small businesses, and large corporations in Europe, the Americas, and beyond. Industry: Banking & Financial Services
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