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Santander Holdings USA Inc
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  • It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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!

    Role Overview

    The Emerging Markets, Brazil Sales - Executive Director will be responsible for originating, developing, and managing senior institutional client relationships with a primary focus on Brazil. This individual will lead coverage of institutional clients including hedge funds, banks, asset managers, and other financial institutions, delivering cross-asset solutions across FX, rates, credit, and related Emerging Markets products. The role requires a senior sales professional with strong knowledge of the Brazilian market, deep client relationships, and the ability to partner across trading, structuring, banking, legal, compliance, and operations to provide thoughtful, commercially relevant solutions.

    Responsibilities

    Lead institutional sales coverage for clients focused on Brazil, developing and expanding relationships across hedge funds, banks, asset managers, and other institutional accounts.

    Originate new business opportunities and deepen existing client relationships to drive revenue growth across Emerging Markets products.

    Provide clients with market color, trade ideas, and strategic insight related to Brazil macro trends, rates, FX, credit, and political and economic developments.

    Partner closely with trading, structuring, financing, and banking teams to deliver coordinated cross-asset solutions tailored to client needs.

    Identify client demand, anticipate market trends, and position the firm's capabilities to capture new opportunities in Brazil-related markets.

    Act as a senior point of contact for client coverage, ensuring strong execution, high-touch relationship management, and consistent follow-through.

    Expand wallet share within existing accounts while building new relationships across targeted institutional investors.

    Work across internal stakeholders to support client onboarding, documentation, approvals, and transaction execution.

    Collaborate with legal, compliance, credit, and operations teams to ensure all business activity is conducted within regulatory and firm guidelines.

    Mentor junior colleagues and contribute to team strategy, commercial discipline, and best practices across the platform.

    Qualifications

    Significant experience in institutional sales within Global Markets, Sales and Trading, or Capital Markets, with direct coverage responsibility for Brazilian clients or Brazil-related products.

    Strong product knowledge across FX, rates, credit, and broader Emerging Markets solutions.

    Proven ability to build and monetize senior relationships with institutional investors including hedge funds, banks, and asset managers.

    Strong understanding of the Brazilian macroeconomic, political, and market landscape, and the ability to translate developments into actionable client ideas.

    Demonstrated success in revenue generation, client development, and opportunity sourcing within a fast-paced institutional sales environment.

    Ability to work effectively across business lines and partner with trading, structuring, banking, legal, compliance, and operations teams.

    Strong communication, presentation, and negotiation skills, with the ability to influence both clients and internal stakeholders.

    Experience with client onboarding and trading documentation processes is preferred.

    Portuguese is required, Spanish is a plus.

    Education

    Bachelor's degree required, preferably in Finance, Economics, Business, or a related field.

    Certificates:

    FINRA licenses

    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:

    $250,000.00 USD

    Maximum:

    $320,000.00 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.

    Read Less
  • It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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:
    As a Senior Relationship Banker, you are responsible for managing and enhancing client relationships, focusing on attracting and retaining new clients while strengthening existing ones. You directly manage and grow a client portfolio of high value consumer and small business clients. This role involves maximizing cross-sales opportunities through effective customer profiling, with the ultimate goal of cultivating interest in various consumer and business banking products. You deliver an exceptional customer experience through engagement of customers in the branch, over the phone, and through collaboration with business partners. The Senior Relationship Banker provides comprehensive support to clients, ensuring their needs are met and issues are resolved efficiently.

    Independently manage a portfolio comprised of both high value consumer clients and small business customers.Proactively deepen relationships with new and existing customers by maintaining contact through early engagement calls and regular outreach to portfolio customers.Be the expert on Santander products and services and be able to articulate the benefits that will help customers based on their need.Assess customer needs by being genuinely curious, asking questions, and identifying opportunities to help achieve their financial goals today and in the future.Recommend and deliver needs-based solutions while also identifying and introducing key partners as appropriate.Collaborate with team members and partners to achieve branch goals and drive overall performance.Participates in joint calling with Product partners to generate and deepen relationships with business customers.Ensure an elevated customer experience, delivering personalized, seamless, and attentive service.Engage customers through digital platforms to enhance customer interactions and educate them on self-service options.Employ critical thinking and problem resolution skills to address client inquiries and challenges effectively.Communicate clearly and effectively with customers in person, over the phone, or through digital channels.Ensure compliance with all regulatory requirements and internal policies related to risk and fraud defense.Responsibilities may extend to supporting nearby branch locations based on business necessity.

    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.

    High school diploma or GED- Required.Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred.5+ Years Experience selling products and/or services in an incentive-based environment - Required. (OR)2+ Years in Financial Services with direct experience acquiring new client relationships and developing existing client relationships - Required. (OR)12+ Months Demonstrated successful Santander experience related to the essential functions and responsibilities of the Relationship Banker role. District Executive, District Operations Manager and Region President endorsement of performance - Required. (AND)12+ Months Customer service experience within a high volume, fast paced and constantly changing environment - Required.Motivated to help people achieve financial goals.Strong financial acumen with a general knowledge of consumer and small business products, and lending.Proven track record in sales and cross-selling products and services.Proven ability to manage a portfolio of clients effectively.Proven relationship-building skills and a customer-centric approach.Ability to work effectively in a team environment, building strong relationships with colleagues and business partners.Ability to use critical thinking to solve problems and provide solutions to customer issues.Excellent communication, consultative and influence skills both verbal and written.Demonstrated proficiency using the phone to engage with customers.Ability to display a credible, trustworthy, and professional image at all times.Proficient in using digital tools and technology to enhance customer engagement.Ability to follow directions, policies, and procedures.Ability to identify and escalate concerns of risk to appropriate channels.Ability to work in a fast-paced environment and manage multiple priorities.Computer proficiency and basic math skills.Ability to work branch hours, which can include weekends and evenings.

    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:

    $54,375.00 USD

    Maximum:

    $90,000.00 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.

    Read Less
  • Trade Receivable Securitization VP  

    - New York City
    It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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:

    Role Description:

    Structuring, pricing, and execution of trade receivables monetization transactions for Corporate and Investment Banking clients of Santander US.Act as advisor, consultant, and first point of contact for clients exploring methods to optimize their working capital through receivables solutions to meet their financing needs.Engage in the legal documentation negotiation of new and existing transactions in the receivable portfolio.Lead the internal approval process with the risk, middle office and other support areas.Engage with bankers, other products and areas to support the prospecting of new business origination and maintenance of existing book of transactions.

    Key responsibilities:

    Contribute to the development of the Santander's receivable monetization capabilities.Grow business through developing new relationships and by maintaining and enhancing existing revenue streams.Coordinate stakeholders both internal (CDD, Compliance, Risks, Legal, IT, Compliance, Operations, etc.) and external (Legal firms, Insurers, brokers, etc.) to provide a best-in-class service and seamless end to end execution including client onboarding and due diligences process. Ensure understanding of the Bank's operating practices and governance and ensure these are followed in line with the guidelines. Provide pricing / market intelligence to transactions, ensuring deal profitability is in line with the Bank's capital models and presenting the transactions to the relevant committees, where applicable. Perform first line of defense role for the bank across all risks: Financial / Credit, Legal, Reputational, Regulatory, Compliance, etc. Reporting to senior management regarding the progress of the commercial agenda.

    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.

    Required Knowledge, Experience and Qualifications:

    Expertise with receivables monetization structures such as factoring, repos, and securitization, and the corresponding S&P methodologies.Experience with the legal execution and design of receivables purchase agreements and/or other legal documentation; to facilitate the sale, perfection, or financing of receivables and/or other assets.Understanding of the Uniform Commercial Code in the US and legal perfection in a variety of geographies.Familiarity with both EU and US banking regulation, particularly as it relates to corporate and securitization exposures and risk-weighted asset calculations.Knowledge of credit risk evaluation techniques for both corporates and securitizations.Significant financial statement and analysis knowledge (working capital cycle, cash flow forecasting, financial statement analysis, modelling etc.).Ability to explain IFRS and US-GAAP sale accounting.Basic understanding of common statistical concepts and modeling techniques such as normal distributions, monte carlo simulation, and linear regression.High motivation, proactivity, and accomplished business origination skills.5+ years of experience in Structured Finance products or Receivable Finance with a minimum of 1 year in each.High level of presentation and organizational skills.Understanding the competitive market and the role of technology within Trade Finance.Capability to develop relationships inside the organization to collaborate across geographical boundaries. Bachelor's degree, or equivalentEnglish language proficiency.

    Desirable, But not Required

    Knowledge of other trade finance products (Payables / ECA / Doc Trade / Inventory Finance).Knowledge of ERP systems such as SAP / Oracle / Sage.Additional languages (particularly Spanish).Previous exposure to operational Trade Finance support areas (Middle Office, Back Office, Legal, Risk). Experience in the syndication of trade finance assets to buy-side investors.Chartered Certified Financial Analyst.

    .

    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:

    $185,000.00 USD

    Maximum:

    $220,000.00 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.

    Read Less
  • It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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!

    Position Summary:

    The Sr. Procurement & Corporate Services Analyst supports the Director of Procurement and Corporate Services in overseeing departmental operations, policies, and core processes. This role contributes to enhancing operational efficiency and ensuring alignment with Parent Company standards and governance requirements.

    Key responsibilities include providing accounting guidance for Purchase Orders and expense reporting in Concur, managing the TWA log and related documentation, preparing financial presentations and reports, and coordinating shared services agreements with affiliates. The role also ensures audit-ready documentation, promotes compliance and strong internal controls, and provides backup support for Travel and Procurement functions as needed.

    The Sr. Procurement & Corporate Services Analyst reports to the Director of Procurement and Corporate Services.



    Essential Functions/Responsibilty Statements:

    Provide accounting guidance for Purchase Order (PO) issuance and expense reporting within Concur.

    Advise on and resolve issues related to the accurate application of Purchase Orders to invoice payments, partnering with Accounts Payable to ensure timely and efficient vendor disbursements.

    Develop, document, and enhance Procurement and Travel policies and procedures in alignment with Parent Company standards.

    Maintain and oversee the TWA log; collaborate with business units to prepare memos and supporting documentation for TWA approvals.

    Draft, review, and coordinate internal shared services agreements and contracts with affiliated entities.

    Ensure accurate documentation and compliance to support internal, external, and regulatory audits.

    Provide backup support for Travel and Procurement functions during team absences (leave/PTO).

    Drive process improvements, strengthen internal controls, and promote policy compliance within the department.

    Partner with FP&A to monitor expenses and ensure alignment with approved budgets and financial forecasts.

    Support the Director of Procurement and Corporate Services in overseeing departmental operations and continuous process improvement.



    Qualifications:
    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 (Req)

    Work Experience:
    3-5 years (Req)

    Skills and Abilities:

    • Experience with accounting, accounts payable and accounts receivable processes.

    • Accounting and bookkeeping, including accounts payable and receivables processes

    • Able to maintain the highest degree on confidentiality and professional discretion.

    • Proven expertise in handling internal, external, and regulatory audit requests

    • MS Excel, Power Point, Word, ChatGPT, and SAP Hana

    • Ability to multitask, prioritize activities, manage conflicts of interest, meet deadlines while working in a fast paced environment

    • Ability to achieve efficient and productive results by working together with different departments.
    • Advanced Analytical Skills
    • Excellent verbal and written communication skills

    • Project manager orientation


    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. Occassional 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: 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.

    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:

    $102,500.00 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.

    Read Less
  • Analyst, Strategy + Business Development (SCIB)  

    - New York City
    It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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, Global Banking Coverage Strategy + Business Development (SCIB) partners closely with senior stakeholders to drive strategic planning, business development initiatives, client and market analytics, pipeline and coverage optimization and creation of high-impact materials for senior executives and stakeholders. The ideal candidate is highly analytical, detail-oriented and comfortable operating in a fast-paced environment. This role has a focus on Global Banking Client Coverage, including Corporate Banking and Lending, across our three core Client Segments: Corporates, Financial Sponsors and Financial Institutions.

    Supports the development and execution of coverage strategy across the Corporates, Financial Sponsors, and FIG segments, including client prioritization, relationship mapping, and call planning.Assists in identifying business development opportunities by analyzing client portfolios, capital structure, financing needs, and market activity.Develops and maintains coverage dashboards and scorecards tracking key performance indicators such as pipeline, lending activity, client engagement, and cross sell opportunities.Prepares materials for coverage reviews, strategic planning discussions, and leadership meetings.Works with coverage and product teams to support targeted client outreach and strategic initiatives.Analyzes lending and financing opportunities, including revolving credit facilities, term loans, syndicated lending, acquisition financing, and related capital solutions.Evaluates client capital structures, leverage levels, and financing trends to help identify opportunities for lending or capital markets engagement.Tracks loan market activity, pricing trends, and competitor positioning to inform coverage strategy and client conversations.Assists in assessing portfolio dynamics across client segments, including lending utilization, credit exposure trends, and relationship returns.Conducts company and sector research using FactSet / Capital IQ / Bloomberg, including financial performance, capital structure analysis, ratings, ownership, and peer benchmarking.Uses Dealogic to track relevant market activity, transaction trends, and competitive positioning in lending and capital markets.Develop high-quality PowerPoint presentations and briefing materials for internal strategy discussions, coverage meetings, and leadership updates.Build and maintain robust Excel-based analytics and reporting tools supporting coverage performance monitoring and client targeting.Translate complex datasets into clear, concise insights and recommendations for senior stakeholders.Produce periodic reporting on segment performance, pipeline development, and strategic initiatives.Improves efficiency of recurring reporting and analysis through automation, standardized templates, and improved data workflows.Utilizes AI tools and advanced analytics to accelerate research, synthesize market developments, and streamline internal processes while adhering to data governance and compliance standards.Identifies opportunities to improve data quality, reporting consistency, and coverage intelligence across the organization.

    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: in Finance, Accounting, Business Administration or equivalent field - Required.2+ Years Experience in corporate banking, global banking coverage, lending, credit-related roles, banking strategy/business development, investment banking, or related financial services role- Required.Advanced proficiency in Microsoft Excel (modeling, pivot tables, lookups, scenario analysis, clean data structures; VBA a plus)- RequiredAdvanced proficiency in PowerPoint (executive story lining, charting, formatting, slide design discipline)- RequiredFoundational understanding of corporate banking and lending products, capital structure concepts, and financing solutions for corporate clients.Experience with Dealogic, Factset/CapitalIQ, and/or BloombergProficiency with AI tools for productivity and analysisFluency in written and spoken English

    Certifications:

    No Certifications listed for this job.

    It Would Be Nice For You To Have:

    Experience building BI-style dashboards or automated reportingFamiliarity with CRM tools (e.g. Salesforce, DealCloud) and managing a deal pipelineFamiliarity with corporate lending processes and systems, including credit approval workflows, loan portfolio analytics, or syndication platforms.Exposure to credit metrics and portfolio analytics, including leverage ratios, credit ratings, spreads, and risk-adjusted return frameworks.Spanish language skills are a plus, but not required.

    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:

    $90,000.00 USD

    Maximum:

    $125,000.00 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.

    Read Less
  • It Starts Here: Santander is a global leader and innovator in the fina... Read More
    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!

    Job Family Description: Markets the firm's products and capabilities to the institutional client base. Engages with customers in order to determine the best use of Santander's resources and mobilize them to fit the client's needs. Distributes and sources structured products related securities and opportunities.

    Job Function Description: Identifies and pursues new sales prospects within existing or untapped markets. Gathers market intelligence, generates leads, and develops proposals/campaigns to garner new business, ensuring a consistent flow of new revenues to the company. Uses knowledge of markets, industries, and clients to determine demand, future trends and potential projects.

    Purpose Statement: Institutional Structured Products Associate - This position will be responsible for maintaining and developing relationships with clients at hedge funds, money managers, insurance companies, banks and other institutional accounts covering MBS, ABS, CLOs, CMBS, esoteric and private credit. The salesperson will coordinate between trading, banking and financing in order to best service the customer with the firm's offerings. The salesperson should have a working knowledge of the product offering of the firm as well as the ability to work across business lines and personalities to develop and nurture firm relationships.

    Responsibility Statements: Initiates, develops and enhances relationships with traders and PMs at existing clients and targeted prospects, with the objective of enhancing revenue generation Act as is the primary and first point of contact in all client interactions. Shapes the client perception of the firm and ensures that our clients are aware of and utilize all aspects of our relevant product offerings. Connect originators with lenders, buyers with sellers, clients with bankers and, overall, problems to solutions. Sometimes that is as simple as filling a bond axe, but others it is knowing who at the firm is best fit to answer a customer's question or a customer who has been able to structure creative private solutions for originators. Acquire a strong grasp of the bank's product offering and mold those offerings to the needs of the client. This includes a working knowledge of the trading desk products, ABS banking and other business lines within Santander US Capital Markets. Capability to work collaboratively with senior partner as well as the rest of the sales force, trading desks and bankers. Ability to gather information and distribute it to the appropriate risk takers and business partners. Discerns relevant research, desk color and banking transactions that are relevant to the client and distributes them accordingly. Participates in joint calling effort with bankers in an effort to uncover public and private opportunities with clients. Over time can display a propensity to source opportunities for the bank and partners in sales and trading. Qualifications:

    T o 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

    Experience:

    2 or more years of experience in s ell side or buy side in relevant sales, trading or banking role

    Skills and Abilities: Demonstrated successful execution of structured products new issue and/or secondary trading Self-motivated and adept at setting, driving and leading transactions Very strong interpersonal communication skills, complemented by both excellent verbal and written communication Strong presentation and public speaking skills Expert relationship management and negotiation skills Strong organizational skills and detail orientation Works well within a team and displays excellent leadership capabilities Self starter and able to give self direction Ability to influence and drive complex initiatives and manage logistics with internal stakeholders Ability to travel within assigned territory as required Fearless attitude with, not only the ability to cold call, but also to navigate into a warm introduction. Strong analytical / problem solving skills and ability to translate data into a story Proficiency in Microsoft office products - Word, Excel and Outlook Demonstrates ability to motivate and influence others Proficiency in financial calculations Sales oriented, energetic, and self - motivated with strong initiative to achieve sales goals Certificates:

    FINRA Series 7 and 63

    Competencies: Knowledge of the techniques and the ability to work with a variety of individuals and groups in a constructive and collaborative manner. Knowledge of the concepts, tools and techniques for effective listening and communicating; ability to apply these theories to receive, transmit and accurately interpret information and ideas to influence others in various situations. Understanding of the importance of remaining aware of shifting market priorities and ability to respond to internal and external customer needs in a manner that consistently adds value. Understanding of the criticality of getting things done in spite of current circumstances and the ability to utilize assigned resources and leverage back-channel resources (individuals or teams) to achieve or exceed planned outcomes. Knowledge of the structure, attributes, uses, terminology, risk and processing of structured products, and ability to value them appropriately. Knowledge of global markets and an awareness of the interplay of rates, geopolitics and data releases in our daily markets. Intermediate to Advance knowledge of Microsoft, Excel, word and Bloomberg. Intex, Powerpoint and tableau are helpful, but not required Self starter who is able to envision his role or team as a business which needs to adapt and adjust to different markets Persistent attitude with the ability to follow a long term goal in spite of obstacles Doesn't take no for an answer and works long term in able to open doors and find/seize opportunity Knowledge of sales processes, tools, and techniques; ability to prepare and present formal recommendations for how the organization or a trade can meet the customer's needs. Knowledge of sales principles, processes, techniques and tools; ability to develop sales plans that are future-oriented, support business strategy and reflect understanding of emerging, as well as existing, opportunities and markets. Knowledge of data gathering and analysis tools, techniques and processes; ability to gather and analyze data on the learning needs of a target population. 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.

    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:

    $225,000.00 USD Maximum:

    $250,000.00 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 . click apply for full job details Read Less
  • It Starts Here:Santander is a global leader and innovator in the finan... Read More
    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 USA CIB Senior Data Analyst - Financial Planning & Analysis, Associate manages one or more processes, projects, or procedures within the FP&A functionality, with a strong focus on data, automation, and analytics enablement. The incumbent will provide well-analyzed and clearly defined recommendations on process improvements, leveraging modern BI and data tools while influencing others regarding FP&A policies, practices, and procedures

    Develops, improves, and independently manages several processes (reporting, projects, systems, procedures, or products) within the FP&A structure, with an emphasis on data models, dashboards, and automated reporting pipelines.Enhances the financial understanding of business lines, products, and segments by building Power BI dashboards, analytical models, and data transformations using Power Query and SQL to support reporting, forecasting, and decision making.Designs and maintains end-to-end reporting solutions, from raw data ingestion (SQL / servers) to semantic models and executive-level dashboards.Influences others regarding FP&A process policies, procedures, and practices, promoting data governance, standardization, and automation best practices.Recommends industry and peer data sources to enhance reporting with benchmarks, supporting business cases through structured datasets and reusable models.Coaches and reviews the work of lower-level professionals, helping them adopt Power BI, Power Query, SQL and automation best practices to execute the financial management function more efficiently.Implements scalable solutions to existing problems using Python, SQL, Power BI, dbt models, and automated data workflows.Delivers well-analyzed financial forecasts supported by robust data models and version-controlled transformations, aligned with the business strategic direction and budget.Exchanges facts, statuses, ideas, and issues using data-driven storytelling and visualization, enabling faster and better executive decision-making.Acts as a subject matter expert providing functional and technical guidance on data modeling, BI architecture, and analytics platforms.Acts as a subject matter expert while providing leadership, guidance, and mentorship to other project managers and analysts on advanced analytics and reporting solutions.

    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: Computer Science, Data Analytics/Data Science, Business Analytics/Information Systems - Required. Master's Degree: Business Administration, Accounting and/or Economics - Preferred. 3+ Years Financial Planning and Analysis in the Banking or Financial Services Industry - Preferred. Excellent verbal and written communication skills.Ability to convey a sense of urgency and drive issues/projects to closure.Ability to prioritize and manage multiple projects simultaneously.Ability to listen and interpret the requirements of internal clients, plan accordingly, and exceed expectations.Strong financial analysis, modeling, and problem-solving.Demonstrated financial modeling knowledge and skills with strong analytical, qualitative, and problem-solving skills.Excellent interpersonal skills with ability to build relationships at all levels of management.Excellent leadership skills.Strong Proficiency in SQL, DAX, Python, PowerPoint, Excel, Power BIStrong experience in and knowledge of financial planning and analysis.Ability to multi-task and meet strict deadlines.Ability to effectively communicate complex financial transactions and strategies.Ability to effectively interact with the market, executive management and vendors.Detail oriented with the ability to research, organize and analyze financial data.Spanish language proficiency preferred

    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 Power BI and database administration (Azure, Snowflake, DB Admin).

    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:

    $115,000.00 USD

    Maximum:

    $145,000.00 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.

    Read Less
  • It Starts Here: Santander is a global leader and innovator in the fina... Read More
    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. Associate, Product Management leads product development processes for Auto Finance pricing, decisioning, and originations products, supporting both consumer and commercial lending. The role partners closely with cross-functional teams to deliver scalable, compliant, and profitable solutions that support credit risk management, pricing strategy, and funding objectives. This role is responsible for defining business and functional requirements, allocating work within projects or teams, and leading the design and execution of product strategies across decision engines, pricing frameworks, and origination platforms. Assists in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams as needed. Leverages strong familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions to analyze and review reports prepared by junior analysts. Develops deep knowledge of Auto Finance products, including pricing models, decisioning rules, originations workflows, and funding mechanics, with a strong understanding of business, functional, and technical requirements. Summarizes analytical findings and provides actionable recommendations for management review. Analyzes and defines product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks. Prioritizes product requirements and evaluates feasibility, regulatory impact, and return on investment. Documents and maintains product requirements, user stories, features, and decision logic supporting pricing and originations. Maintains comprehensive product documentation, including policy, decisioning, and implementation artifacts. Addresses customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization. Assists in defining product scope, ownership, and responsibilities across pricing and originations capabilities. Contributes to the achievement of Pricing Strategy, Credit Risk, and Originations team objectives. Works closely with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, ensuring solutions align with business priorities. Partners with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning. Develops and maintains product roadmaps and platform strategies for pricing, decisioning, and originations products. Differentiates decisioning and pricing services based on portfolio strategy, risk appetite, and dealer/channel needs. Stays current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies. Develops consultative and innovative capabilities to enhance core pricing and decisioning solutions. Supports the evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, with a focus on speed to market, cost reduction, and elimination of duplicative systems. What You Bring:
    To perform this role successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications below represent the knowledge, skills, and abilities required. Bachelor's Degree or equivalent work experience in Business, Finance, Technology, or a related field - Required. 9+ years of relevant professional experience - Required. Strong understanding of Auto Finance regulatory requirements and their impact on pricing, decisioning, and originations products. Demonstrated experience in Auto Finance pricing, credit decisioning, and originations platforms, including loan and lease products. Proven understanding of the product development lifecycle within regulated financial services. Strong analytical skills and financial acumen, with the ability to assess pricing, credit risk, and profitability impacts. Demonstrated ability to develop strategic product plans and define a clear course of action to drive portfolio growth and returns. Self-starter with a forward-thinking mindset and strong ownership mentality. Ability to translate complex credit, pricing, and regulatory requirements into scalable product features. Strong communication skills with the ability to engage internal teams, dealer-facing partners, and executive leadership. Experience working within Agile and SDLC frameworks in a financial services environment. Demonstrates integrity and professionalism when interacting with stakeholders at all levels. Excellent verbal, written, and interpersonal communication skills. Strong project and stakeholder management capabilities. Experience with both Waterfall and Agile delivery methodologies. Hands-on experience with Agile Scrum practices (Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives). Certifications: Product Management certification - Preferred. It Would Be Nice For You To Have: Established work history or equivalent experience demonstrated through a combination of professional experience, training, military service, or education. Experience with Auto Finance decision engines, pricing models, and origination platforms. Proficiency with 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:

    $93,750.00 USD Maximum:

    $165,000.00 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.

    Read Less
  • It Starts Here: Santander is a global leader and innovator in the fina... Read More
    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. Associate, Product Management leads product development processes for Auto Finance pricing, decisioning, and originations products, supporting both consumer and commercial lending. The role partners closely with cross-functional teams to deliver scalable, compliant, and profitable solutions that support credit risk management, pricing strategy, and funding objectives. This role is responsible for defining business and functional requirements, allocating work within projects or teams, and leading the design and execution of product strategies across decision engines, pricing frameworks, and origination platforms. Assists in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams as needed. Leverages strong familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions to analyze and review reports prepared by junior analysts. Develops deep knowledge of Auto Finance products, including pricing models, decisioning rules, originations workflows, and funding mechanics, with a strong understanding of business, functional, and technical requirements. Summarizes analytical findings and provides actionable recommendations for management review. Analyzes and defines product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks. Prioritizes product requirements and evaluates feasibility, regulatory impact, and return on investment. Documents and maintains product requirements, user stories, features, and decision logic supporting pricing and originations. Maintains comprehensive product documentation, including policy, decisioning, and implementation artifacts. Addresses customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization. Assists in defining product scope, ownership, and responsibilities across pricing and originations capabilities. Contributes to the achievement of Pricing Strategy, Credit Risk, and Originations team objectives. Works closely with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, ensuring solutions align with business priorities. Partners with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning. Develops and maintains product roadmaps and platform strategies for pricing, decisioning, and originations products. Differentiates decisioning and pricing services based on portfolio strategy, risk appetite, and dealer/channel needs. Stays current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies. Develops consultative and innovative capabilities to enhance core pricing and decisioning solutions. Supports the evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, with a focus on speed to market, cost reduction, and elimination of duplicative systems. What You Bring:
    To perform this role successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications below represent the knowledge, skills, and abilities required. Bachelor's Degree or equivalent work experience in Business, Finance, Technology, or a related field - Required. 9+ years of relevant professional experience - Required. Strong understanding of Auto Finance regulatory requirements and their impact on pricing, decisioning, and originations products. Demonstrated experience in Auto Finance pricing, credit decisioning, and originations platforms, including loan and lease products. Proven understanding of the product development lifecycle within regulated financial services. Strong analytical skills and financial acumen, with the ability to assess pricing, credit risk, and profitability impacts. Demonstrated ability to develop strategic product plans and define a clear course of action to drive portfolio growth and returns. Self-starter with a forward-thinking mindset and strong ownership mentality. Ability to translate complex credit, pricing, and regulatory requirements into scalable product features. Strong communication skills with the ability to engage internal teams, dealer-facing partners, and executive leadership. Experience working within Agile and SDLC frameworks in a financial services environment. Demonstrates integrity and professionalism when interacting with stakeholders at all levels. Excellent verbal, written, and interpersonal communication skills. Strong project and stakeholder management capabilities. Experience with both Waterfall and Agile delivery methodologies. Hands-on experience with Agile Scrum practices (Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives). Certifications: Product Management certification - Preferred. It Would Be Nice For You To Have: Established work history or equivalent experience demonstrated through a combination of professional experience, training, military service, or education. Experience with Auto Finance decision engines, pricing models, and origination platforms. Proficiency with 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:

    $93,750.00 USD Maximum:

    $165,000.00 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.

    Read Less
  • It Starts Here: Santander is a global leader and innovator in the fina... Read More
    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. Associate, Product Management leads product development processes for Auto Finance pricing, decisioning, and originations products, supporting both consumer and commercial lending. The role partners closely with cross-functional teams to deliver scalable, compliant, and profitable solutions that support credit risk management, pricing strategy, and funding objectives. This role is responsible for defining business and functional requirements, allocating work within projects or teams, and leading the design and execution of product strategies across decision engines, pricing frameworks, and origination platforms. Assists in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams as needed. Leverages strong familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions to analyze and review reports prepared by junior analysts. Develops deep knowledge of Auto Finance products, including pricing models, decisioning rules, originations workflows, and funding mechanics, with a strong understanding of business, functional, and technical requirements. Summarizes analytical findings and provides actionable recommendations for management review. Analyzes and defines product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks. Prioritizes product requirements and evaluates feasibility, regulatory impact, and return on investment. Documents and maintains product requirements, user stories, features, and decision logic supporting pricing and originations. Maintains comprehensive product documentation, including policy, decisioning, and implementation artifacts. Addresses customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization. Assists in defining product scope, ownership, and responsibilities across pricing and originations capabilities. Contributes to the achievement of Pricing Strategy, Credit Risk, and Originations team objectives. Works closely with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, ensuring solutions align with business priorities. Partners with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning. Develops and maintains product roadmaps and platform strategies for pricing, decisioning, and originations products. Differentiates decisioning and pricing services based on portfolio strategy, risk appetite, and dealer/channel needs. Stays current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies. Develops consultative and innovative capabilities to enhance core pricing and decisioning solutions. Supports the evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, with a focus on speed to market, cost reduction, and elimination of duplicative systems. What You Bring:
    To perform this role successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications below represent the knowledge, skills, and abilities required. Bachelor's Degree or equivalent work experience in Business, Finance, Technology, or a related field - Required. 9+ years of relevant professional experience - Required. Strong understanding of Auto Finance regulatory requirements and their impact on pricing, decisioning, and originations products. Demonstrated experience in Auto Finance pricing, credit decisioning, and originations platforms, including loan and lease products. Proven understanding of the product development lifecycle within regulated financial services. Strong analytical skills and financial acumen, with the ability to assess pricing, credit risk, and profitability impacts. Demonstrated ability to develop strategic product plans and define a clear course of action to drive portfolio growth and returns. Self-starter with a forward-thinking mindset and strong ownership mentality. Ability to translate complex credit, pricing, and regulatory requirements into scalable product features. Strong communication skills with the ability to engage internal teams, dealer-facing partners, and executive leadership. Experience working within Agile and SDLC frameworks in a financial services environment. Demonstrates integrity and professionalism when interacting with stakeholders at all levels. Excellent verbal, written, and interpersonal communication skills. Strong project and stakeholder management capabilities. Experience with both Waterfall and Agile delivery methodologies. Hands-on experience with Agile Scrum practices (Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives). Certifications: Product Management certification - Preferred. It Would Be Nice For You To Have: Established work history or equivalent experience demonstrated through a combination of professional experience, training, military service, or education. Experience with Auto Finance decision engines, pricing models, and origination platforms. Proficiency with 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:

    $93,750.00 USD Maximum:

    $165,000.00 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.

    Read Less

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