Senior Financial Risk Analytics Engineer

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 whats possible. This is more than a strategic shift. Its 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 Senior Financial Risk Analytics Engineerplays a critical role in supporting the Banks reserving stress-testing underwriting and financial forecasting activities. This position is responsible for designing developing maintaining and enhancing data workflows analytical solutions and credit loss models that support regulatory compliance risk management and strategic decision-making. Working closely with Finance Risk IT Data Management and business partners this role transforms complex business requirements into scalable analytical and technology solutions that drive actionable insights across the organization.

Position Summary

• Research scope and manage the business requirements workflows data needs resource requirements and implementation plans for CECL credit loss models supporting stress-testing reserving and underwriting activities.
• Design develop code implement and maintain analytical models and supporting infrastructure.
• Develop and maintain expert knowledge of Websters data systems databases tools and reporting environments.
• Design build and maintain robust data workflows and automated processes that support forecasting reserving and risk management activities.
• Collaborate with IT Data Management Finance Risk and business partners to develop and enhance analytical solutions and reporting capabilities.
• Create user-friendly reports dashboards and data visualizations to support decision-making and performance monitoring.
• Anticipate identify and resolve data quality workflow and reporting challenges.
• Maintain comprehensive workpapers model documentation testing results and change management records in accordance with governance audit and regulatory requirements.
• Author reports documenting model design development implementation testing methodologies and ongoing model enhancements.
• Build and maintain strong relationships with Lines of Business Finance Risk IT and Data partners to ensure analytical and software development requirements are effectively delivered.
• Lead and/or participate in Model Risk Management Executive Management Audit Regulatory and cross-functional planning meetings.
• Support initiatives across one or more key areas including Research & Development Quarterly Production and Credit Scorecard development and maintenance.

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

• Bachelors degree in Computer Science Engineering Data Science Information Systems Mathematics Statistics Finance Economics or a related quantitative field. - Required
• Masters degree in a quantitative discipline. - Preferred

Professional Experience

• 10 years of experience working with complex relational database management systems including Oracle SQL or similar platforms. Required
• 10 years of software engineering data engineering or analytics experience within a commercial bank or financial institution. - Required
• 5 years of modeling quantitative analytics or financial analytics experience within a banking or financial services environment. - Perferred

Skills

• Proficiency in SAS and R/Python or similar analytical programming languages. - Required
• Experience designing developing and maintaining large-scale data workflows and automated data pipelines. - Required
• Experience supporting reserving stress-testing underwriting forecasting or risk management solutions. Perferred
• Experience participating in Model Risk Management audit regulatory examination or governance processes. - Perferred
• Experience developing relationships and collaborating with cross-functional stakeholders across Finance Risk IT Data and Business functions. Perferred
• Experience with cloud-based computing platforms such as AWS Azure or GCP. - Preferred
• Experience with full-stack software development and CI/CD pipeline implementation. - Preferred
• Strong expertise working with relational databases SQL development and large-scale data infrastructures.
• Experience designing and maintaining data orchestration workflows using tools such as Apache Airflow or similar platforms.
• Knowledge of reporting business intelligence and dashboarding tools including Tableau Qlik Sense or comparable solutions.
• Understanding of commercial and consumer banking products operations processes and risk management practices.
• Knowledge of software engineering principles coding standards testing methodologies and development best practices.
• Strong analytical quantitative and problem-solving skills.
• Knowledge of statistical modeling techniques machine learning methodologies optimization techniques and predictive analytics.
• Ability to gather document and translate business requirements into scalable technical solutions.
• Strong organizational and time management skills with the ability to manage multiple priorities and deadlines.
• Excellent verbal and written communication skills with the ability to convey complex technical concepts to non-technical stakeholders.
• Demonstrated ability to work independently conduct research and develop innovative solutions.
• Strong attention to detail initiative and commitment to delivering high-quality results.
• Ability to identify opportunities for process improvements and recommend scalable solutions.

Certifications

No specific certifications 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.
• Advanced knowledge of statistical theory including linear models categorical data analysis time-series forecasting optimization techniques and machine learning methodologies.
• Experience supporting CECL stress-testing underwriting credit scorecards or other regulatory modeling frameworks.
• Experience with cloud-native analytics and modern data engineering architectures.
• Proven ability to think creatively and develop innovative approaches to solving complex business and data challenges.

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:

We Value Your Impact:

Your contribution matters and its 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 standingand 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.