Director, Credit Risk Management (Lending, Card, Partnerships), Madison, NY

Essential Functions/Responsibility Statements:

• Develops credit strategies to improve the credit performance by leveraging data, machine learning models and advanced analytics tools to optimize risk decisions. Designs A/B tests and understand the risk-return trade-offs
• Coordinates implementation and associated controls for underwriting, line management and targeting criteria with internal tech and vendor systems
• Partners with second line risk management professionals on challenge and monitoring of credit strategies
• Monitors vintages and portfolio by customer segments, provides vintage loss forecast for profitability calculations.  
• Works with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements

Skills and Abilities:

• Prior experience in credit bureaus, credit decision engines, credit modeling for underwriting and portfolio management decisions, income/identity verification and loss forecasting
• Solid knowledge of one of the current portfolios (card, loans, loc)
• Hands on expertise in doing advance analytics using SAS, R, python and working knowledge of tech infrastructure required to run loans and credit cards
• Ability to work in a matrixed organization and drive consensus based decisioning

Education: Bachelor's Degree required: Business, Statistics, Information Systems, Engineering, Finance, Economics. Master's Degree preferred.

Work Experience:

• 10+ Years Credit Risk Management experience within Financial Industry, including experience dealing with U.S. regulatory agencies required.
• First Line of Defense Credit Risk experience required.
• This position is Hybrid and will require time in the office.

Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

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 at any time for any reason.

Primary Location: New York, NY, Madison Ave Corp

Other Locations: New York-New York,New Jersey-Florham Park,Massachusetts-Boston

Organization: Santander Bank N.A.