Santander · 11 hours ago
Sr. Director, 1st Line Credit Risk, Retail Banking and Transformation, Liberty Street, New York, NY
New York
Full-time
Onsite
Lead/Staff, Director/Executive
$165K/yr - $300K/yr
12+ years expSantander is a global leader and innovator in the financial services industry and is evolving into a technology-driven organization. The Sr. Director, Credit Risk Management will lead the 1st line credit risk management function for Credit Cards and Small Business Lending, overseeing credit risk strategies and managing portfolio performance across the credit lifecycle.
BankingCommercial LendingFinanceFinancial ServicesPersonal Finance
Responsibilities
Oversees and manages the 1st line Credit Risk management team ensuring implementation of credit risk management strategies across customer lifecycle
Develops credit strategies to improve the credit performance by leveraging data, machine learning models and advanced analytics tools to optimize risk decisions. Designs A/B tests and understand the risk-return trade-offs
Manages implementation and associated controls for underwriting, line management and targeting criteria with internal tech and vendor systems
Partners with second line risk management in developing business wide key credit risk and early warning indicators
Monitors vintages and portfolio by customer segments, provides input to overall profitability and makes adjustments to credit strategies to deliver business goals within risk appetite framework
Works with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements
Qualification
Required
Bachelor's degree: Business, Statistics, Information Systems, Engineering, Finance, or Economics
12+ Years Credit Risk Management experience within Financial Industry, including experience dealing with U.S. regulatory agencies
5+ years of experience in managing teams of credit analysts, underwriters, and data scientists in Credit cards or Small business lending or consumer unsecured personal loan products
Expertise and prior experience in credit bureaus, credit decision engines, credit modeling for underwriting and portfolio management decisions, income/identity verification and loss forecasting
Preferred
Master's Degree: Business, Statistics, Information Systems, Engineering, Finance, Economics
1st line credit risk experience
Deep expertise in Credit Card and/or Small Business lending, including unsecured consumer loan products
Proven ability to actively manage large, complex credit portfolios through different economic cycles
Expertise in managing advance analytics in SAS, R, python and working knowledge of tech infrastructure required to run lending portfolios
Advance knowledge of current federal and state laws and regulations related to credit decisions, and prior experience in interacting with regulators
Exceptional leadership, influencing, and communication skills
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
Experience in Microsoft Office products
Company
Santander
Banco Santander is a banking firm that specializes in various banking services including retail, commercial, digital, & investment banking.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2013-05-30Post Ipo Equity
1987-08-07IPO
Leadership Team
Hector Grisi
Consejero Delegado de Banco Santander
Recent News
Morningstar.com
2026-02-03
2026-02-03
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