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Pricing & Strategy Analyst
Santander Consumer USA Holdings
Dallas, TX, United States
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Description
Please contact your HR Business Partner to assist with the development of a Job Summary.
Essential Functions:
• Use a proprietary model to calculate the profitability of various business segments and to run scenarios analyzing the tradeoffs between risk and return
• Responsible for maintaining and enhancing the profit model to make it more robust, dynamic and more reflective of the current operating environment and conditions
• Develop ways to incorporate new delinquency curves, loss curves, prepayment curves, deferment curves and findings from a cost study into the model in order to enhance its accuracy and usability
• Produce weekly, monthly reporting on profitability for senior management and summarize findings in a clear, concise and convincing manner
• Design new pricing approaches and programs to reflect the unique needs of each market and to protect against margin deterioration in a rising cost of funds environment
• Analyze the tradeoff between pricing and volume and how this relationship impacts overall profits and corporate strategies
• Propose new pricing strategies and develop appropriate programs to help the company grow originations in the most profitable and efficient manner
• Analyze origination and portfolio statistics to identify pockets of risk or opportunity and to develop proactive strategies that assist in mitigating risk exposure or exploiting profit potential
• Assist in planning the pricing, credit mix and return objectives by market for future originations
• Additional ad hoc projects as requested
Other Functions:
• Special projects as requested
• Performs other duties as assigned
Requirements:
• Bachelor’s degree in , Accounting, Math, Economics or Business
• Three (3) to five (5) years of work experience in a similar analytical role
• Understand cash flow modeling, delinquency and loss modeling, activity based cost accounting, credit scoring and risk based pricing concepts
• Demonstrated understanding of relational datasets, data warehouses, data mining and data analysis techniques
• Proficient knowledge of Excel and data mining tools such as Access, SQL, or SAS
• Some financial industry knowledge, preferably auto specific
• Ability to work in an environment with rapidly changing priorities and high demands
• Open to new ideas, creative and hard working
• Energetic and self motivated with excellent analytical and problem solving abilities
• Organized, detail oriented and able to manage multiple tasks/deadlines
• Strong interpersonal skills and ability to interact collaboratively with internal customers
• Ability to work independently with minimal supervision as well as function within a team environment
• Excellent written and verbal communication skills
• Ability to maintain confidentiality
Working Conditions:
• Extended working hours may be required as dictated by management and business needs.
• Travel to multiple facilities may be required.