Santander Holdings USA Inc

It Starts Here: 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: The Director, AML and Fraud Reporting & Analytics is responsible for sound AML and Fraud risk management through effective management of data, metrics and reporting that is used to think critically and inform decision making. Ensuring Santander delivers a competitive customer experience while managing compliance and operational risks is key. The incumbent will directly contribute and lead a team of professionals focused delivering timely and quality management of data and reporting used for monitoring and managing risks. Ability to represent business unit in transformational and technology implementation projects to identify risk and key controls and requirements for Fraud and AML analytics and reporting team that are necessary to support the project. Analyzes various types of transactions, account, customer, and forensic data from control providers to evaluate trends, explain losses, identify and assist with the closure of issues. Develop reporting and analytics while applying critical thinking to support financial crime risk management activities. Recommend, develop and implement analytic capabilities necessary to effectively monitor and manage risk. Develop procedures to effectively manage controls and deliverables with quality documentation used for audit and regulatory reviews. Build relationships with internal and external business partners and industry peers to facilitate information-sharing opportunities and identification of best practices. Determines and recommends product management and business unit control enhancements and changes using both analytical and critical thinking. Builds analytical programs and end user tools to support business unit analytics and performance monitoring metrics including key risk and performance indicator dashboards. 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 accommodation may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required Qualifications: 9+ Years Risk Management/Controls Experience (preference with AML and Fraud) - Required. Strong risk operational risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment. Advanced knowledge of data management framework and transformation. Advanced knowledge of analytical tools including SAS, SQL, Python. Ability to interact with Auditors/Regulators and product an output that can be sent right to them. Excellent organizational and project management skills. Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense. Advanced process, workflow and control validation and/or risk assessment skills. Ability to direct, train and guide peers, subordinates and management. Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed. Ability to adjust to new developments/changing circumstances. Ability to convey a sense of urgency and drive issues/projects to closure. Ability to effectively interact with the market, executive management and vendors. Ability to adapt and adjust to multiple demands and competing priorities. Excellent written and oral communication skills. 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: $123,750.00 USD Maximum: $210,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The Sr. Analyst, Credit Risk is responsible for independent risk analysis and oversight of the credit quality of prime auto finance portfolio and may also monitor risk exposures arising from other banking activities. Position Summary This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department. The Sr. Analyst also reviews, analyzes, and evaluates the Company's credit risk management program to support risk-based processing and reporting that reduce operating losses and maintain the maximum protection of the organization's assets, products, and services. Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures. Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow-up actions. Supports credit risk assessments by analyzing risk data, identifying plausible business and operational impacts, and maintaining accurate documentation. Serves as a department point of contact by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates. Researches emerging credit risks, market trends, and credit risk management best practices, and summarizes findings for the team. Evaluates credit risk management contingency plans and existing controls, and recommends opportunities to improve effectiveness and reduce risk. Prepares review memoranda summarizing liabilities, observations, and recommended follow-up evaluations. Reinforce a risk-aware culture through the communication of credit and risk policies and guidelines. 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. Education Bachelor's Degree or equivalent work experience in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field - Required. Master's Degree in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field - Preferred. Qualifications: 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field - Required. 1+ years of experience with SQL programming or equivalent programming language (i.e. Python), Power BI or similar data visualization and analytics tool - Required. Basic understanding of reporting, dashboarding and data visualization concepts - Preferred. Familiarity with querying, validation and reconciling data from multiple sources - Preferred. Ability to work with large and complex datasets, perform data analysis and communicate insights and findings effectively - Required. Strong quantitative capabilities and analytical skills, including an investigative mindset. Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook. Ability to analyze risk and provide recommendations and resolutions to minimize exposure. Strong written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely. Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner. Ability to build and foster internal relationships. Strong organizational and time management skills. Ability to work independently as well as collaboratively within a team environment. Ability to stay current on industry best practices, procedures, and techniques. Ability to change direction as project demand dictates. 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. 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. 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: $56,250.00 USD Maximum: $107,500.00 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 () 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 to discuss your needs.

It Starts Here: 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! As a Sr. Associate, Credit Risk, you play a critical role in protecting the organization's assets, products, and services by providing independent oversight of credit quality, strengthening risk management practices, and ensuring alignment with regulatory expectations. You help drive sound credit decisioning, proactive risk mitigation, and continuous process improvement while influencing stakeholders and providing subject matter expertise across the organization. Position Summary Provide independent oversight of the credit quality and risk profile of assigned portfolios, ensuring compliance with credit policies, underwriting standards, regulatory requirements, and internal controls. Review, analyze, and evaluate the effectiveness of the Company's credit risk management program, recommending solutions that improve efficiency, strengthen controls, and reduce risk exposure. Oversee reporting processes to ensure consistent quality, accuracy, completeness, and compliance with internal policies and regulatory expectations. Execute and maintain risk management controls, credit risk assessments, testing activities, and mitigation plans to support ongoing monitoring and governance efforts. Partner with business leaders and control functions to support effective first-line and second-line risk management practices, governance processes, and control frameworks. Monitor portfolio performance and credit quality trends, including delinquencies, risk ratings, industry exposures, and individual credit approvals, while providing effective challenge and oversight. Lead risk mitigation initiatives, business continuity efforts, and incident response activities that support operational resilience, risk reduction, and industry best practices. Serve as a subject matter expert by influencing stakeholders, providing strategic insights, systematizing management reporting, and mentoring team members on credit risk management practices. 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. Education Bachelor's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required. Master's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred. Professional Experience 9+ years of Risk Management, Credit Risk, or Internal Audit experience - Required. 9+ years of Financial Services or Financial Industry experience - Required. Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities - Required. 9+ years of Consulting experience - Preferred. Languages No specific language requirements identified. Skills Demonstrated ability to translate complex data and risk analysis into clear, concise recommendations for senior leadership and governance committees Experience monitoring key risk indicators (KRIs), performance metrics, and portfolio trends to proactively identify emerging risks and opportunities Ability to develop executive-level reporting, dashboards, and presentations that support strategic decision-making and risk governance. Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations. Experience monitoring portfolio performance across delinquency roll rates, cure rates, recovery performance, and loss metrics. Advanced knowledge of operational, accounting, credit, regulatory, market, and technology risks within the financial services industry. Demonstrated knowledge of credit policies, procedures, regulations, and applicable laws. Strong credit analysis capabilities, including assessment of and exposure evaluation. Experience interacting with regulators, external auditors, and internal audit partners. Ability to analyze risk and design effective controls and processes that mitigate or reduce risk exposure. Superior project management skills with the ability to manage multiple priorities in a fast-paced environment. Strong presentation skills with the ability to communicate complex risk concepts to diverse audiences. Excellent written and verbal communication skills. Ability to build relationships and effectively interact with stakeholders at all levels of the organization. Ability to work independently while collaborating effectively within a team environment. Demonstrated ability to prioritize competing demands, manage conflicts of interest, delegate appropriately, and consistently meet deadlines. 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. 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. employment. 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: $101,250.00 USD Maximum: $185,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The Sr. Specialist, Pricing is responsible for analysis, research, and pricing of prime and nonprime products for strategic partners. This position is responsible for developing business proposals based on consistent data reporting/analysis to meet financial objectives of revenue, risk and volume, and seeking opportunities to further improve profitability and competitiveness in market. This position requires an individual capable of taking a "hands-on" approach to data analysis, following through a pricing change delivery, and presenting business stories based on data analysis/business acumen. This position blends strategic business problem solving with quantitative data analysis expertise. You will work closely with credit risk, finance, sales, dealer management, and model development teams to deliver actionable insights that balance risk, profitability, and market share. Develops clear and concise reporting for key metrics of various portfolios based on multiple data resources. Utilize data mining and data analysis to develop analytic business insights and uncover risk/opportunities relative to portfolio management and originations Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend and market data into pricing initiatives. Sets up frequent multi-organizational reviews of key metrics and develop root causes and action plans for trends that are not proceeding within expectations. Encapsulates analytic findings into executive-level summary documents to support senior management decision-making. Work across teams in organization to deliver strategic pricing changes from initiation to final system implementation Contribute to continuous process improvements in data quality, reporting, and automation. Evaluates Pricing/Rebate structure for key customers and significant industry/peer groups identifying opportunities to improve profitability. 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. Education: Bachelor's Degree or equivalent work experience: Finance, Economics, Business Analytics, Data Analytics or equivalent field. - Required. Qualifications: 2+ Years Analytics experience in Financial Services Industry or educational equivalent in the relevant fields. - Preferred. 2+ Years Auto Financial Services Industry experience/Pricing for retail lending experience. - Preferred. Demonstrated ability to analyze data and make sound business story. Demonstrated ability to use SQL/SAS/Python to extract/process data from multiple data sources Overall proficiency with MS Office (Excel pivot table, Outlook, Word, PowerPoint). Strong problem solving, Attention to detail, excellent organization, ability to prioritize workload and meet deadlines. Good written and verbal communication skills. Rigorous and focus on results. Customer-focused. Patient, willing to learn new skills. Strong intellectual curiosity and affinity for numbers. Analytical and organized with relentless attention to detail. 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. 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. 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: $54,375.00 USD Maximum: $92,500.00 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 () 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 to discuss your needs.

It Starts Here: 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: The SCIB Portfolio Manager is a Vice President role within US SCIB COO Lending Solutions responsible for portfolio management, credit monitoring and credit administration activities across SCIB lending portfolios. The role is generic across business lines but requires the ability to support Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures. The role is responsible for quarterly and annual reviews, credit spreading, covenant monitoring, collateral monitoring, rating review support, amendment and waiver analysis, portfolio reporting, risk escalation and lifecycle coordination with Front Office, Credit, Agency, Operations and Transaction Management. Objectives are to 1) maintain a disciplined first line portfolio management framework, 2) ensure timely and accurate monitoring of credit, covenant, collateral and documentation obligations, and 3) support sustainable portfolio governance across US SCIB lending. Key Responsibilities: 1. Credit Monitoring and Reviews Prepare, coordinate and/or review quarterly and annual credit reviews for assigned portfolio names, including financial performance, rating considerations, risk trends, covenant compliance, collateral status and sector developments. Perform or oversee credit spreading, financial analysis, variance analysis, leverage/liquidity analysis and borrower performance updates. Support rating reviews, watchlist recommendations, exposure analysis and escalation of credit deterioration or emerging risks. 2. Covenant, Collateral and Documentation Monitoring Monitor financial and non-financial covenants, reporting requirements, borrowing base certificates, collateral deliverables, insurance requirements, financial statements and other ongoing obligations. Track exceptions, waivers, missing deliverables, collateral shortfalls, covenant breaches and post-close items through remediation. Coordinate with Agency, Transaction Management, Legal, Operations and Servicing to ensure ongoing obligations are captured and maintained. 3. Amendments, Waivers and Lifecycle Events Support amendments, waivers, consents, extensions, repricings, restructurings and other lifecycle events through credit analysis, approval coordination and implementation tracking. Assess whether changes require new approvals, rating updates, documentation amendments, covenant changes, collateral updates, system updates or control escalation. Partner with Transaction Management to ensure approved amendments are reflected accurately in documentation, systems and monitoring tools. 4. Portfolio Reporting and Governance Prepare portfolio reporting, KPIs, KRIs, management updates, issue logs and control evidence for senior management, Credit, Risk, Audit and regulatory stakeholders. Monitor portfolio trends across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB exposures, including concentrations, exceptions, ratings, covenants and collateral indicators. Participate in governance forums and support remediation plans related to portfolio monitoring and credit administration. 5. Stakeholder Collaboration and Process Improvement Work closely with Front Office, Credit, Risk, Agency, Legal, Operations, Transaction Management, Finance and Technology to support a coordinated lifecycle management process. Mentor associates and analysts and help develop procedures, portfolio monitoring standards, training materials and quality control routines. Identify opportunities to improve financial spreading, covenant tracking, collateral monitoring, data quality and management reporting. 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. Certifications: Other: Completion of bank-certified course in Credit Training - 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. 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: $185,000.00 USD Maximum: $185,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The SCIB Transaction Manager - SCIB Lending (incl. Leveraged Finance and Structured Finance) is a Vice President individual contributor role within US SCIB COO Lending Solutions. The role supports end-to-end execution of SCIB lending transactions (incl. Leveraged Finance and Structured Finance), from pre-approval through closing, booking, funding, settlement and lifecycle handoff. The role coordinates deal closings, amendments and post-close items, supports the build-out of team procedures and controls, and assists with training new team members. Objectives are to 1) deliver timely and controlled transaction execution, 2) ensure transaction records, approvals, documentation, KYC/AML evidence, booking data and operational handoffs are accurate and complete, and 3) support consistent front-to-back execution practices across US SCIB lending. Key Responsibilities: 1. Transaction Coordination Coordinate assigned Leveraged Finance, Structured Finance, syndicated, bilateral, club, participant and amendment transactions from post-approval through close. Maintain closing checklists, track conditions precedent, coordinate signature page release readiness, monitor documentation status and follow up on transaction blockers. Partner with Front Office, Advisory, Legal, Credit, Compliance, Capital Markets, Agency, Treasury, Finance, Operations and Back Office to support closing readiness. 2. Booking and Funding Readiness Validate that required approvals, KYC/AML evidence, documentation, borrower/guarantor/lender onboarding, collateral, insurance, covenant, flood, UCC/lien, pricing, fee and operational setup requirements are complete or escalated. Prepare and review booking instruction packages and support Back Office, Treasury and Operations in resolving deal setup or funding questions. Track post-close obligations, documentation gaps and booking defects through completion. 3. Amendments and Lifecycle Support Coordinate amendments, waivers, assignments, repricings, extensions, incremental facilities and other lifecycle events in partnership with Portfolio Management, Advisory, Credit, Legal, Agency and Operations. Escalate changes that may require new approvals or system updates. Support handoff of covenant, collateral, monitoring and servicing obligations after closing. 4. Team Build-out and Training Support Contribute to procedures, checklists, status reporting, process maps, quality control routines and training materials for the Transaction Management team. Assist in training new joiners on closing workflow, control standards, documentation tracking, booking instructions and escalation protocols. Identify opportunities to improve workflow transparency, data quality, system handoffs and control evidence. 5. Governance and Controls Maintain accurate execution records, issue logs, exception tracking and evidence of approvals and control completion. Support audit, regulatory, credit review and internal control requests related to assigned transactions. 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 degree or equivalent work experience. Strong knowledge of corporate lending execution, with preferred experience in Leveraged Finance, Structured Finance, syndicated loans, credit documentation, KYC/AML, booking, funding and operational handoffs. Skills: Strong organizational, analytical, execution and problem-solving skills. Ability to manage multiple active closings and amendments with clear status reporting. Working knowledge of credit agreements, closing checklists, CPs, borrower onboarding, collateral, covenants, fees and booking mechanics. Loan IQ or comparable platform experience preferred. Key Competencies: Strong ownership and follow-through. Ability to escalate issues clearly and timely. Collaborative style with Front Office, Credit, Legal, Compliance and Operations. Attention to detail and comfort operating in time-sensitive deal environments. Education: Bachelor Degree or equivalent work experience Work Experience: 7-10 years of relevant experience in CIB lending execution, transaction management, Leveraged Finance, Structured Finance, loan operations, agency, middle office or credit administration. Certifications: Other: Completion of bank-certified course in Credit Training - 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. 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: $185,000.00 USD Maximum: $185,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The SCIB Portfolio Management Associate is an individual contributor role within US SCIB COO Lending Solutions responsible for supporting portfolio monitoring, credit reviews, financial spreading, covenant tracking, collateral monitoring and lifecycle credit administration across SCIB lending portfolios. The role supports a range of business lines and products, including Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures. Objectives are to 1) ensure accurate and timely portfolio monitoring support, 2) maintain high-quality credit, covenant, collateral and review materials, and 3) support a scalable first line portfolio management framework. Key Responsibilities: 1. Credit Review Support Prepare drafts and supporting analysis for quarterly and annual reviews, including borrower performance, financial trends, covenant compliance, collateral status, rating considerations and risk commentary. Perform credit spreading, ratio analysis, variance analysis and borrower update analysis using available financial statements and internal systems. Maintain portfolio review calendars, deliverable trackers and supporting evidence for assigned portfolio names. 2. Covenant and Collateral Monitoring Track borrower reporting deliverables, financial covenants, non-financial covenants, borrowing base requirements, collateral documents, insurance requirements and other ongoing obligations. Identify missing items, potential breaches, data quality issues and exceptions for escalation to Portfolio Management leadership, Credit, Agency, Legal or Operations as appropriate. Update covenant, collateral and portfolio monitoring tools accurately and timely. 3. Amendment and Waiver Support Support analysis and tracking for amendments, waivers, consents, extensions, repricings and other lifecycle events. Coordinate with Transaction Management, Credit, Legal, Agency and Operations to gather information and track approvals, documentation changes and system updates. Maintain documentation and evidence of lifecycle decisions and post-close or post-amendment follow-ups. 4. Portfolio Reporting and Controls Prepare recurring portfolio reports, exception trackers, covenant dashboards, collateral monitoring updates and management reporting inputs. Support internal control, audit, credit review and regulatory information requests related to portfolio monitoring activities. Assist with data quality cleanup, process improvement initiatives and procedure documentation. 5. Stakeholder Collaboration Work with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance to obtain data, resolve monitoring issues and support timely reviews. Provide support across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB portfolios as assigned. Help train analysts on spreading, covenant tracking, monitoring tools and review preparation standards. What You Bring: Bachelor degree or equivalent work experience. Working knowledge of credit analysis, financial statements, portfolio monitoring, covenant tracking, collateral monitoring and lending documentation. Exposure to Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred. Strong analytical, organizational and written communication skills. Ability to perform financial spreading, covenant calculations and recurring portfolio tracking. Strong Excel skills and comfort with credit, covenant, loan and reporting systems. Ability to manage deadlines and escalate issues clearly. Key Competencies: Attention to detail and commitment to high-quality work product. Curiosity, ownership and willingness to learn complex lending products. Strong collaboration across Business, Credit, Risk and Operations. Good judgment in identifying exceptions and escalation items. Education: Bachelor Degree or equivalent work experience Work Experience: 3-6 years of relevant experience in portfolio management, credit analysis, financial spreading, lending, agency, credit administration, risk management or related roles. Certifications: Other: Completion of bank-certified course in Credit Training - Preferred. 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. 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: $145,000.00 USD Maximum: $175,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The Director, AML and Fraud Reporting & Analytics is responsible for sound AML and Fraud risk management through effective management of data, metrics and reporting that is used to think critically and inform decision making. Ensuring Santander delivers a competitive customer experience while managing compliance and operational risks is key. The incumbent will directly contribute and lead a team of professionals focused delivering timely and quality management of data and reporting used for monitoring and managing risks. Ability to represent business unit in transformational and technology implementation projects to identify risk and key controls and requirements for Fraud and AML analytics and reporting team that are necessary to support the project. Analyzes various types of transactions, account, customer, and forensic data from control providers to evaluate trends, explain losses, identify and assist with the closure of issues. Develop reporting and analytics while applying critical thinking to support financial crime risk management activities. Recommend, develop and implement analytic capabilities necessary to effectively monitor and manage risk. Develop procedures to effectively manage controls and deliverables with quality documentation used for audit and regulatory reviews. Build relationships with internal and external business partners and industry peers to facilitate information-sharing opportunities and identification of best practices. Determines and recommends product management and business unit control enhancements and changes using both analytical and critical thinking. Builds analytical programs and end user tools to support business unit analytics and performance monitoring metrics including key risk and performance indicator dashboards. 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 accommodation may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required Qualifications: 9+ Years Risk Management/Controls Experience (preference with AML and Fraud) - Required. Strong risk operational risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment. Advanced knowledge of data management framework and transformation. Advanced knowledge of analytical tools including SAS, SQL, Python. Ability to interact with Auditors/Regulators and product an output that can be sent right to them. Excellent organizational and project management skills. Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense. Advanced process, workflow and control validation and/or risk assessment skills. Ability to direct, train and guide peers, subordinates and management. Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed. Ability to adjust to new developments/changing circumstances. Ability to convey a sense of urgency and drive issues/projects to closure. Ability to effectively interact with the market, executive management and vendors. Ability to adapt and adjust to multiple demands and competing priorities. Excellent written and oral communication skills. 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: $123,750.00 USD Maximum: $210,000.00 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 () 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 to discuss your needs.

It Starts Here: 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! As a Sr. Associate, Credit Risk, you play a critical role in protecting the organization's assets, products, and services by providing independent oversight of credit quality, strengthening risk management practices, and ensuring alignment with regulatory expectations. You help drive sound credit decisioning, proactive risk mitigation, and continuous process improvement while influencing stakeholders and providing subject matter expertise across the organization. Position Summary Provide independent oversight of the credit quality and risk profile of assigned portfolios, ensuring compliance with credit policies, underwriting standards, regulatory requirements, and internal controls. Review, analyze, and evaluate the effectiveness of the Company's credit risk management program, recommending solutions that improve efficiency, strengthen controls, and reduce risk exposure. Oversee reporting processes to ensure consistent quality, accuracy, completeness, and compliance with internal policies and regulatory expectations. Execute and maintain risk management controls, credit risk assessments, testing activities, and mitigation plans to support ongoing monitoring and governance efforts. Partner with business leaders and control functions to support effective first-line and second-line risk management practices, governance processes, and control frameworks. Monitor portfolio performance and credit quality trends, including delinquencies, risk ratings, industry exposures, and individual credit approvals, while providing effective challenge and oversight. Lead risk mitigation initiatives, business continuity efforts, and incident response activities that support operational resilience, risk reduction, and industry best practices. Serve as a subject matter expert by influencing stakeholders, providing strategic insights, systematizing management reporting, and mentoring team members on credit risk management practices. 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. Education Bachelor's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required. Master's Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred. Professional Experience 9+ years of Risk Management, Credit Risk, or Internal Audit experience - Required. 9+ years of Financial Services or Financial Industry experience - Required. Demonstrated experience using SQL to write complex queries from scratch for data extraction, analysis, reporting, and risk management activities - Required. 9+ years of Consulting experience - Preferred. Languages No specific language requirements identified. Skills Demonstrated ability to translate complex data and risk analysis into clear, concise recommendations for senior leadership and governance committees Experience monitoring key risk indicators (KRIs), performance metrics, and portfolio trends to proactively identify emerging risks and opportunities Ability to develop executive-level reporting, dashboards, and presentations that support strategic decision-making and risk governance. Advanced knowledge of consumer collections strategies, delinquency management, loss mitigation programs, and servicing operations. Experience monitoring portfolio performance across delinquency roll rates, cure rates, recovery performance, and loss metrics. Advanced knowledge of operational, accounting, credit, regulatory, market, and technology risks within the financial services industry. Demonstrated knowledge of credit policies, procedures, regulations, and applicable laws. Strong credit analysis capabilities, including assessment of and exposure evaluation. Experience interacting with regulators, external auditors, and internal audit partners. Ability to analyze risk and design effective controls and processes that mitigate or reduce risk exposure. Superior project management skills with the ability to manage multiple priorities in a fast-paced environment. Strong presentation skills with the ability to communicate complex risk concepts to diverse audiences. Excellent written and verbal communication skills. Ability to build relationships and effectively interact with stakeholders at all levels of the organization. Ability to work independently while collaborating effectively within a team environment. Demonstrated ability to prioritize competing demands, manage conflicts of interest, delegate appropriately, and consistently meet deadlines. 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. 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. employment. 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: $101,250.00 USD Maximum: $185,000.00 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 () 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 to discuss your needs.

It Starts Here: 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: The Analyst, Corporate & Investment Banking Global Trade & Working Capital Sales supports the senior Trade Finance bankers. They serve as first-line support to clients, other banks and internal clients to ensure transactions are completed, transfers are made on time and for all operational purposes. Creates and ensures accuracy for various reports and the design and execution of new reports to meet changing or ad-hoc requirements. Ensures the calculation of funding requirements and communication with relevant areas is completed and accurate. Identifies any issues and implements necessary actions to resolve issues when necessary. Acts as first-line support to clients, banks and internal clients. Uses own discretion to resolve errors and disputes. Coordinates with FO and Loan Operations to ensure all deals are correctly booked and independently identifying appropriate remedies where necessary. Reviews all documentation for accuracy and completeness and determines appropriate remedial action when needed. Provides guidance to the deal booking teams in Loan Operations for structured and/or non-standard transactions. Ensures client folders are maintained with updated financials and legal documentation. 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 or equivalent work experience: Business, Finance or equivalent field. - Required. 1+ Years of Trade & Working Capital experience preferred Ability to multi-task and self-prioritize a heavy workload. Strong analytical skills/financial acumen. Demonstrates the ability to translate customer needs into marketable product features. Excellent verbal, written, and interpersonal communication skills. Ability to interact with integrity and a high level of professionalism with all levels of team members and management. Demonstrated understanding of product development life cycle. 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. Experience in Microsoft Office products. 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: $110,000.00 USD Maximum: $135,000.00 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 () 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 to discuss your needs.