Finance Analytics - Analyst

About the role

Country: United States of America

It Starts With You

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

Finance Analytics team within SC's Auto Finance division is a team consisting of quantitative finance professionals providing analytical support for SC's vast Treasury, Capital Markets, Originations, Auto Dealership Management, and Accounting functions.

Key responsibilities of the team include analytical support for structured finance issuance, asset sale transactions, daily loan and lease warehouse maintenance, optimization of assets for sale, valuation of assets and liabilities, producing monthly and quarterly accounting reports, occasional accounting reconciliations, accounting audit support, creation of cash flow models, performance monitoring of over $50 billion of loans and leases, and dealer network analytics for over fourteen thousand auto dealerships with business relationships with Santander.

The Analyst within the Finance Analytics team shall be exposed to a diverse array of analytics pertaining to the above responsibilities of the team. Given the vastness of the analytical responsibilities of the team, the Analyst pool will be rotated through essential job functions of the team to get a broad exposure to the overall Finance analytics divided primarily across capital markets, treasury, dealer management, and accounting operations.

Essential Job Functions

• Support creation and maintenance of statistical portfolio optimization tools and cash flow modeling
• Performance monitoring (default, prepayment, recovery, etc.) of automobile loan, lease pools, and dealer relationships
• Perform valuation analysis of loan and lease collateral using Intex, Bloomberg and other proprietary models
• Support automated accounting reports creation and reconciliation; and support accounting Audit and month-end/quarter-end audit/close activities
• Maintain Loan and Lease inventory management infrastructure from the standpoint of capital markets operations
• Execute removal/addition of loan/leases to finance transactions on a regular basis maintaining contractual agreements with several banks
• Write and edit queries in SQL/Python for gathering large data sets for analysis, internal presentation, and external reports distribution
• Assists with investor relations activities associated with the capital markets and asset management platforms, explaining loan collateral related issues
• Produce/automate and maintain excel spreadsheet models/tools for repeatable tasks Create and write stored procedures, views, tables, DTS packages in Microsoft SQL
• Work with data visualization tools like Power BI, Excel, and create Python based dashboards

Other Functions

• Carry out special projects as requested by management to address on-going automation initiatives, audit requests, and regulator queries

What You Bring

Education

• Bachelor's in Quantitative Finance, MIS, Statistics, Business Analytics, Computer Science, Mathematics, or Engineering - Required.
• Master's in Quantitative Finance, MIS, Statistics, Business Analytics, Computer Science, Mathematics, or Engineering - Preferred.

Qualifications

• Formal training in at least one major programming language is required
• Strong existing knowledge of Microsoft Excel is required
• Data visualization skills using PowerBI/Python preferred
• SQL experience preferably in Microsoft SQL Server / Snowflake preferred
• Familiarity or exposure to complex financial modeling techniques preferred
• Ability to maintain confidentiality
• Ability to work in fast moving environment under strict deadlines required

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.

Work Authorization & Sponsorship

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

Pay and benefits

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: $49,500.00 USD

Maximum: $78,000.00 USD

We Value Your Impact

• Your contribution matters and it's recognized.
• You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver.
• We know rewards go beyond numbers.
• Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future.
• Santander Benefits - 2026 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.

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 to discuss your needs.