Credit Risk Intern (Auto)

Credit Risk Intern (Auto) Country : United States of America Your Journey Starts Here : Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! What you will gain Our Summer Internship Program, beginning in June 2026, provides immersive training and introduction to Santander. You will be combining this training with practical experience on both technical and interpersonal skills, helping your development during the internship. The 2026 Santander Summer Internship Program is for undergraduate students and / or graduate level students who have an expected graduation date between December 2026 and May / June 2027. Santander US is a nationwide business with locations across the country. This position is located in Dallas, TX .

• 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. Salary : $62,400 / year for an undergraduate student OR $83,200 / year for a graduate student Before applying, please keep in mind that our internship program does not offer any relocation assistance. What we offer you You will be given exposure to the innerworkings of one largest financial institutions in the world. Working with best-in-class teams and contributing to projects that drive innovation across the organization. As part of the internship program, you will participate in structured professional development opportunities, create connections with peers and meet leaders across Santander. As a Credit Risk Intern, you will gain a strong foundation in credit risk management within the financial services industry. You will work alongside experienced professionals to evaluate borrower creditworthiness, analyze portfolio performance, and identify potential risk exposures. Through hands-on projects, you will contribute to enhancing risk assessment tools, refining monitoring processes, and supporting governance activities. This role will strengthen your analytical skills, deepen your understanding of credit risk frameworks, and build your ability to communicate insights effectively across teams. Responsibilities of the credit risk internship role may include but are not limited to :
• Analyze credit portfolios to identify risk trends, emerging concerns, and opportunities for improvement.
• Assist in assessing borrower creditworthiness through credit quality analysis, credit scoring, and other risk assessment tools.
• Participate in various credit risk management projects and initiatives, including policy reviews, pricing initiatives, and process enhancements.
• Prepare ad hoc reports to support senior and executive management with portfolio performance updates and credit exposure analyses.
• Assist in the preparation and review of credit risk–related materials for working group and credit risk committees.
• Gain understanding of the supporting roles within internal departments including Pricing strategy, model development, dealer management, loss forecasting and operational risk. What we are looking for
• An undergraduate student and / or graduate student with an expected graduation date between either December 2026 or May / June 2027.
• Area of Study : All majors welcome; Finance, Economics, Accounting, Statistics, Data Analytics, or related fields preferred.
• Cumulative GPA is 3.0 or above.
• Demonstrates intellectual curiosity and courage.
• Strong English communication skills both written and spoken required.
• Analytical thinkers with a strong attention to detail.
• Organized and able to manage time and multiple tasks efficiently.
• Ability to work independently on special projects.
• Ability to effectively contribute to a team environment. It would be nice to have
• Coursework in or exposure to accounting, finance, economics, or business. (Preferred)
• Experience in Microsoft Office products. (Preferred)
• Experience in SQL server, Data Analytics. (Preferred) 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. Link to Santander Benefits : Santander Benefits - 2025 Santander OnGoing / NH eGuide (foleon.com) 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 TAOps@santander.us to discuss your needs. Primary Location : Dallas, TX, Dallas Other Locations : Texas-Dallas Organization : Santander Consumer USA Inc.