Working at Santander Consumer USA | Glassdoor

Santander Consumer USA Overview

Dallas, TX
5001 to 10000 employees
Company - Public (SC)
$5 to $10 billion (USD) per year
In 1995, a group of young entrepreneurs thought they could make their mark on the world of automotive finance by thinking a little bigger and a lot bolder than the competition. It turns out, they were right. The explosive growth and success of the new company quickly caught the ... Read more

Mission: To be recognized as a highly respected originator and servicer that delivers specialized solutions to consumers across the full credit spectrum while providing exceptional service, responsibly managing risk and fulfilling our responsibilities to stakeholders.

Company Updates

  • Before our Analyst and Investor Day in New York, some members of our executive leadership team had the opportunity to ring the Opening Bell at the New York Stock Exchange.

  • The Santander Consumer USA “Create Your Career Summer Internship Experience” has returned this year bigger and better than ever. Now in its third year, the program comprises a total of 56 students in various SCUSA departments. More details after the jump.

    Santander 'experience' provides select students top-notch summer challenge - Santander Consumer USA Blog

    The Santander Consumer USA "Create Your Career Summer Internship Experience" has returned this year bigger and better than ever. Now in its third year, the program comprises a total of 56 students in various SCUSA departments. "We're expecting big things for this year's summer internship program," said Philip Witcher, manager of university relations for SCUSA, ...

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Santander Consumer USA Video

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Santander Consumer USA – Why Work For Us?


Santander Consumer USA Holdings Inc. (NYSE: SC) ("SC") is a full-service, technology-driven consumer finance company focused on vehicle finance, third-party servicing and delivering superior service to our more than 2.7 million customers across the full credit spectrum. The company, which began originating retail installment contracts in 1997, has a managed assets portfolio of more than $53 billion (as of March 31, 2016), and is headquartered in Dallas. (


SCUSA had an initial public stock offering in 2014 (NYSE: SC) and is majority-owned by global banking leader Banco Santander (NYSE: SAN), which was named “Best Bank in the World” by EuroMoney Magazine, and one of the “Top 10 Safest Banks” by Global Finance Magazine. Today, Santander Consumer USA is one of the fastest-growing companies in the automotive finance sector.



To be recognized as a highly respected originator and servicer that delivers specialized solutions to consumers across the full credit spectrum while providing exceptional service, responsibly managing risk and fulfilling our responsibilities to stakeholders: associates, customers, investors and shareholders.

Santander Consumer USA is a leading company in the automotive finance sector. With its RoadLoans and Santander Auto Finance brands, the company provides full-spectrum auto lead and lending programs on direct and indirect platforms. The company began originating loans in 1997, and is headquartered in Dallas. We are majority-owned by global banking leader Banco Santander S.A. (NYSE: SAN), which was named "Best Bank in the World" by EuroMoney Magazine in 2012, and one of the "Top 10 Safest Banks" by Global Finance Magazine in 2011.

At Santander Consumer USA, we believe in:

  • Our People - Our people are our greatest asset. We strive to create a collaborative environment where we value each other's efforts and contributions.
  • Respect - We treat each other with the highest degree of dignity, equality and trust. We are committed to communicating openly and clearly, and we pledge to remain professional at all times.
  • Excellence - We see ourselves as best in class, continually improving and constantly exceeding standards. We strive to exceed expectations and hold ourselves to high standards of performance.
  • Service - We are in business to serve our customers, our community, and our colleagues. We work to identify customer needs and solve issues in a timely manner.
  • Performance - We are a fast-paced, results-driven company, constantly striving to reach new goals and objectives.
  • Fiscal Responsibility - We are efficient, accountable and honest as we support a conservative use of resources.
  • Entrepreneurial - We are innovators, we think like owners, and we work collaboratively. We identify opportunities to learn new skills and share new ideas.



The company was founded by a group of entrepreneurs within the auto industry, including our CEO and president. The group gained experience working in finance in auto dealerships, and in 1995 left the dealership environment to start a new company focused on the finance side of the industry. As a non-originator, the new company marketed the auto finance programs of various banks, gaining valuable perspective on the auto originations process.

The success of the group caught the attention of FirstCity Financial and in 1998 our entrepreneurial partnership joined with FirstCity Financial to form FirstCity Funding, a nonprime auto finance company with a unique business model serving a niche market. We grew quickly and in 2000 our ownership group expanded to include HBOS plc., and FirstCity Funding officially became Drive Financial Services LP.

In 2004, FirstCity Financial sold its interest in Drive, shifting ownership to HBOS plc and Drive Management LP. The stability and strength of HBOS plc allowed Drive to surpass expectations and continue to grow at a rapid pace. In 2006, HBOS plc and certain members of Drive Management, LP sold their interest to Banco Santander S.A.

In 2009, Santander contributed its interest in the company to Santander Holdings USA Inc. (SHUSA), a wholly owned subsidiary of Banco Santander S.A. Prior to December 31, 2011, the company was owned by SHUSA and our CEO.

In late 2011, we completed a transaction whereby three leading private investment equity firms, Centerbridge Partners LP, Kohlberg Kravis Roberts & Co. LP and Warburg Pincus LLC, through Sponsor Auto Finance Holding Series LP, purchased a portion of the company's stock.

In 2013, Santander Consumer USA launched Chrysler Capital auto purchase and lease financing program with the Chrysler Group LLC and integrated its subprime Drive brand into the main Santander platform. In 2014, SCUSA became a public company with a listing on the New York Stock Exchange (NYSE: SC) and launched HelpingLoans consumer finance brand.

Create Your CAREER with Santander Consumer USA

As one of the fastest-growing companies in the auto finance industry, we at Santander Consumer USA take pride in cultivating a progressive, entrepreneurial work environment that is always striving to “Be More.” More to our customers, more to our community, and more to our employees!


With this in mind, we value what the next generation of young leaders can bring to our core business. Our “Create Your CAREER” Summer Internship Experience was developed for the aspiring young professional possessing the intellect, technical savvy and creative energy necessary for leadership in today’s challenging business environment.

Internship Experience

If accepted as part of the Summer Internship Experience, you’ll receive:

  • 12 weeks of paid work experience
  • Casual office environment
  • Reward and recognition events
  • Executive and peer networking opportunities
  • Independent and team project experiences
  • Company mentor
  • Opportunity for full-time career positions

With challenging assignments, recognition events and a range of work opportunities in key business areas like Finance, HR and IT, our goal is to prepare interns for a successful transition into our dynamic workplace.

Apply online today for interviews.  We will be conducting interviews through April of each year, with a start date in mid-to-late May. We look forward to partnering with you on your road to success!

Check out our latest video here on Click here to watch the University Relations Video.


Available Internships include the following areas:

  • IT
  • Compliance
  • Legal
  • Finance and Accounting
  • Pricing & Analytics (Decision Science)
  • Human Resources
  • Marketing

Eligibility Requirements:

  • Current undergraduate entering either your junior or senior year
  • Minimum 3.00 cumulative GPA
  • Career interest in the field for which you’re applying
  • Able to work 12 consecutive weeks from May-August
  • U.S. citizen or permanent resident preferred

A lot of companies say that working at their organization is different. At Santander Consumer USA (SCUSA), we mean it.

Like other businesses, we have excellent benefits, competitive compensation packages, matching 401(k), paid time off, flexible spending accounts and dental and vision plans. You can review a list of the great corporate benefits SCUSA offers below.

But the benefits of working at SCUSA don’t stop there.

We were founded with an entrepreneurial spirit and that mindset continues to drive the company and our associates today. We welcome new ideas and approaches to working more efficiently in an already fast-paced environment. And we believe our people are our greatest asset.

2015 Medical Plans

Aetna is our medical carrier for 2015. Through Aetna, we offer a wide range of tools and programs to help enhance your coverage and improve the health of you and your family. All three plans provide in-network and out-of-network coverage with the Aetna Choice POS II network. No referrals are required for specialist care and the selection of a primary care physician (PCP) is optional.

2015 Dental Plans

Studies show that good oral hygiene can contribute to your overall health. That makes it more important than ever to get regular dental checkups. Delta Dental is our dental carrier for 2015. The Delta Dental Plans are designed to encourage good dental health, and we assist you by sharing some of the costs of dental services. This year we offer two options, an Enhanced Plan and Basic Plan. Both plans offer In-Network and Out-of-Network benefits. Using in-network providers offers the maximum cost savings. Delta Dental ID cards will be issued to associates who select dental coverage.

2015 Vision Benefits

SCUSA offers vision coverage for eye exams, lenses or contacts, and frames. Our vision carrier, VSP, offers a network of vision care providers representing both private practice as well as many large retail chain vision care providers. An Enhanced Plan is now available, in addition to the Choice Vision Plan. The Enhanced Plan features larger annual allowances for lenses and frames.

Flexible Spending Accounts

Two special spending accounts— the Health Care Spending Account and the Dependent Care Spending Account— make it possible for you to pay for eligible out-of-pocket expenses with pre-tax dollars. With the Health Care Spending Account, you decide how much to contribute per pay period tax-free, up to a maximum of $2,500 per year. You then use the money in your account to pay for eligible health care expenses not covered or reimbursable by any insurance. This includes plan deductibles, coinsurance, copays or uninsured expenses such as over-the-counter medications, glasses, contacts, or even Lasik surgery.

The Dependent Care Spending Account provides an opportunity for you to save money on day care expenses for eligible dependents by paying these expenses with pre-tax dollars. You decide how much to contribute, up to $5,000 per year.

White Glove Service

The WhiteGlove Health Membership Service comes to you at work or at home. Your sick visit includes medical care, generic prescription medications at no additional charge, if needed, and a medical consultation. House calls are making a comeback! All associates and their covered dependents enrolled in a SCUSA medical plan will have access to same-day medical care at home or work from a board certified nurse practitioner through WhiteGlove Health. Consultations are also available by phone with a board certified physician.
Our People are our greatest asset, and this is one more way that your SCUSA Benefits help you and your family get the quality care you need and at a low cost. WhiteGlove Health gives you convenient care and medication for a small copay of $25 co-pay.

Our team of mobile nurse practitioners will visit your home or worksite to provide acute care services or scheduled chronic condition management services that are traditionally sought at a doctor’s office, urgent care center or even an emergency room. In the event that a prescription is necessary, our nurse practitioners have the ability to prescribe them as part of your visit.

401(k) Plan

It’s never too late or too soon to start saving for retirement. At SCUSA, we make it an easy decision for you with our great 401k plan. SCUSA offers an employer match of 100% up to the first 6% you contribute. Even better, you are immediately vested in the plan. This means that all funds from the employer match are yours to keep from day one of eligibility. Both Roth and Traditional 401k options are available with company match. Through Fidelity, you will have a wide variety of great investment options to choose from to help secure your financial future.



At SCUSA, we’re actively looking for ways to improve our associates’ quality of life. We are happy to introduce our new full-spectrum wellness program with Vitality. Vitality is an interactive and personalized online wellness program designed to make it easier for you to live your healthiest lifestyle. Once registered, you can log in and earn points virtually, keep track of your daily activities and redeem points for rewards. Vitality is available for all associates and spouses enrolled in a SCUSA medical plan.

Whether your plans are to eat better, be more active, get fit, relieve stress or lose weight, Vitality can help you reach these goals and also maintain a healthier lifestyle.


The American Heart Association (AHA) recently recognized SCUSA as a Gold-level Fit-Friendly Worksite. As a place that offers associates physical activity support, increasing healthy eating options at work and promoting a wellness culture, we are honored to receive this recognition!

Requirements for Gold level achievement include implementing at least six of the physical activity criteria, two of the nutrition criteria and one of the culture criteria from the AHA.

More details about the Fit-Friendly program are avaiable here: AHA Fit-Friendly Worksite

Santander Consumer USA Reviews

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Jason A. Kulas
89 Ratings
  • Featured Review

    "Loved working with them. It gave me the career growth that I needed in a high demanding field."

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Funding Analyst in Mesa, AZ
    Former Employee - Funding Analyst in Mesa, AZ
    Positive Outlook
    Approves of CEO

    I worked at Santander Consumer USA full-time (Less than a year)


    Excellent work life balance.


    There is a high demand for high volume out put. For a rookie it is best to go to customer service till you get familiar with the business.

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Santander Consumer USA Photos

Santander Consumer USA photo of: Thanksgiving Tower - Location of Santander Consumer USA HQ
Santander Consumer USA photo of: Opening Bell - New York Stock Exchange
Santander Consumer USA photo of: Executive Road Show at our Servicing Center
Santander Consumer USA photo of: Mesa Grand Opening Executive Roadshow
Santander Consumer USA photo of: Executive Roadshow at our Servicing Center
Santander Consumer USA photo of: Servicing Center
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Santander Consumer USA Interviews



Getting an Interview

Getting an Interview





    Data Development Interview

    Anonymous Employee in Dallas, TX
    Accepted Offer
    Positive Experience
    Average Interview


    I applied online. The process took 2+ months. I interviewed at Santander Consumer USA (Dallas, TX).


    The hiring process was really smooth. It consisted of a quick phone interview with behavioral questions, an online session where you record yourself answering questions, and then an interview day.

    Interview Questions

    • Why should we use SQL database instead of just multiple excel sheets.   Answer Question
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Santander Consumer USA Awards & Accolades

  • Recruiting Team Of the Year, SMA, DFW Texas Recruiters Network, 2014
  • Fit Friendly Company - Gold Level, American Heart Association, 2014

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