Associate, Credit Risk - Implementation, Liberty Street, New York, NY

Associate, Credit Risk - Implementation, Liberty Street, New York, NYCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

If your skills, experience, and qualifications match those in this job overview, do not delay your application.
We are seeking a motivated and analytical Sr. Associate to support the implementation of credit strategies and models within decision engine platform for Santander US Unsecured lending portfolio. In this role, you will work closely with credit risk, data science, and technology teams to operationalize and maintain decision logic that drives automated approvals, credit policies, models and customer lifecycle decisions. This is a critical role to ensure strategic decisions are accurately translated into system logic for real-time execution.

Strategy Implementation

• Translate business and risk strategies into decision engine logic using defined rules, conditions, and configurations.
• Collaborate with credit policy, analytics, model development and product teams to understand strategic intent and ensure accurate deployment in decision systems.
• Support testing, validation, and monitoring of decision strategies prior to and post-production implementation.
• Maintain documentation of decision logic, rule flows, change history, and approval workflows.

Testing & Validation

• Design and execute test plans to ensure decision rules perform as intended.
• Partner with QA, technology, and analytics teams to validate outputs and ensure alignment with risk frameworks.
• Identify and troubleshoot issues in rules logic or system behavior and recommend corrective actions.
• Conduct thorough testing of the consumer lending processing system, including functional testing, non-functional testing, and acceptance testing.
• Identify and document defects and issues encountered during testing.
• Participate in system integration testing and user acceptance testing.

Performance Monitoring

• Support tracking of decision engine performance, including KPIs like approval rates, automation rates, and error rates.
• Work with analytics and reporting teams to assess the impact of strategy changes and recommend refinements.
• Ensure decision logic aligns with regulatory guidelines and internal governance policies.

Cross-functional Collaboration

• Coordinate with internal stakeholders across risk, product, technology, operations, and compliance.
• Participate in regular strategy reviews and platform enhancement discussions.
• Assist with audits and governance reviews by preparing documentation and providing data or system insights.

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 in Business, Finance, Computer Science, Engineering, or related field. - Required.
• Master's Degree in Business, Finance, Computer Science, Engineering, or related field . - Preferred.

• 5+ Years Risk Management, Credit Risk, or Internal Audit - Required.
• 5+ Years Financial Services industry experience. - Required.
• 1+ Years Experience in software testing or quality assurance roles. - Required

• Experience with decision engines such as FICO , Experian PowerCurve, or Provenir.
• Basic understanding of consumer credit risk, models, lending policies, and/or financial products.
• Experience working in a financial institution or fintech environment.
• Strong analytical and problem-solving skills with attention to detail.
• Proficiency in Excel; familiarity with SQL, Python, or other analytics tools is a plus.
• Excellent written and verbal communication skills.

Preferred Skills:

• Exposure to agile delivery environments and product/strategy deployment cycles.
• Understanding of model-driven decisioning and A/B testing frameworks.

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.

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:

$76,875.00 USD

Maximum:

$130,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 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 [email protected] to discuss your needs.

Primary Location: New York, NY, New York

Other Locations: New York-New York,Massachusetts-Boston

Organization: Santander Bank N.A.