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

  • We kicked off the summer with our first Executive Intern Learning Session this past week. Mary Barnes and Dale Cochran were our first two Executives to speak to our interns, discussing the importance of being bold, networking and working hard.

  • Annually, Santander Consumer USA (“SC”) hosts Cristo Rey Dallas presentation day, a time for high school students in our work-study program to share their experience at SC with a select group of executives and department leaders.

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Santander Consumer USA Video

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Santander Consumer USA – Why Work For Us?

Our Company

Santander Consumer USA Holdings Inc. is a public (NYSE: SC), full-service, technology-driven company focused on vehicle finance. The company manages accounts for more than two million customers across all credit profiles. Headquartered in Dallas, TX, Santander Consumer USA Holdings Inc. is the parent company of Santander Consumer USA Inc. (“SC”).


We Drive America

Putting Drivers In Cars. Helping Them Stay On Track.


Our Mission

Santander Consumer USA aims to provide a world-class customer experience — simple, personal, fair — to car buyers and dealers, alike, through a range of auto-finance options that put more drivers in cars. We succeed only when our customers’ needs are met, whether that’s opening the door to someone who desires a vehicle to improve their quality of life, or to a dealer looking for the best way to finance that purchase. We are customer driven.

Our People

With more than 6,000 associates, our people matter most, whether they are located at our corporate headquarters in Dallas or operations in Texas, Colorado and Arizona. We strive to create a collaborative environment in which we value each other’s efforts and contributions in providing our customers with best-in-class auto finance programs and services.

Our Locations

In addition to our corporate headquarters in Dallas, TX, Santander Consumer USA has other locations in North Richland Hills, TX, Englewood, CO, and Mesa, AZ, and our SC and Chrysler Capital sales teams spread across the country, covering all 50 states.

Santander Consumer USA aims to provide a world-class customer experience — simple, personal, fair — to car buyers and dealers, alike, through a range of auto-finance options that put more drivers in cars. We succeed only when our customers’ needs are met, whether that’s opening the door to someone who desires a vehicle to improve their quality of life, or to a dealer looking for the best way to finance that purchase. We are customer driven.



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.

As one of the fastest-growing companies in the automotive finance sector, Santander Consumer USA (SCUSA) has worked hard to create a truly unique summer internship program experience.

With a focus on producing high-achieving, next generation leaders within our organization, our “Summer Internship Experience” provides:

  • 12 weeks of paid full-time work experience
  • Executive networking
  • One-to-one mentoring
  • Fun corporate events
  • Training and development workshops
  • Peer networking
  • Team-building activities
  • Potential for fall/spring work opportunities
  • Potential job placement after graduation

A lot of companies say that working at their organization is different. At Santander Consumer USA (SC), 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 SC offers below.

But the benefits of working at SC 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.

2018 Medical Plans

Aetna is our medical carrier for 2018. 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. This year, we are offering two plan options through Aetna for you to consider: the SC PPO and the SC HSA.

  • The SC PPO plan features traditional copays and coinsurance costs.
  • The SC HSA plan offers you the option to contribute to a health savings account (HSA) and receive a pre-tax benefit for any funds deposited into the account.

2018 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. Starting in 2018, MetLife will be our dental carrier, offering an Enhanced or Basic Plan. MetLife dental is designed to encourage good dental health, and we assist you by sharing some of the costs of dental services. The Enhanced and Basic plans both offer in-network and out-of-network benefits, but if you visit a dentist in-network, your costs will be lower. MetLife dental ID cards are not required to receive dental services but will be available online for Associates to download and print.

2018 Vision Benefits

SC offers vision coverage for eye exams, lenses or contacts, and frames. Our vision carrier, Vision Service Plan (VSP), offers a network of vision care providers representing both private practice as well as many large retail chain vision care providers. VSP offers a Basic Plan or an Enhanced Plan which features larger annual allowances for lenses and frames.

Flexible Spending Accounts

Three special spending accounts— the Health Care Spending Account, Limited 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 $2,650 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 Limited Health Care is for associates enrolling in the SC HSA medical plan may also enroll in a limited use health care FSA to cover dentaland vision expenses only. You can set aside up to $2,650 per year for eligible expenses.

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.

SC Medical, prescription drug, dental, vision, HSAs and flexible spending accounts begin first date of employment.

Paid Time Off

Santander offers over 4 weeks of paid time off per year for starting full-time associates and are eligible to begin accruing on the first day of employment. Time off will accrue January through December on a pro-rated basis per week.

Volunteer Paid Time off

All full-time regular associates, with a minimum of six months tenure, are eligible to receive 16 hours of volunteer Paid Time off per calendar year.

Your Aetna Healthcare plan provides care options 24/7 through Wellness Tools and Resources

Through Aetna, our medical partner, we offer a wide range of tools and programs to help enhance your coverage and improve the health of you and your family.

TELADOC THROUGH AETNA: Skip unnecessary and time-consuming emergency room and urgent care visits. Use Teladoc, through Aetna, to speak with a licensed doctor 24/7/365 via phone or video. Teladoc doctors can diagnose and treat medical conditions. Teledoc expenses apply to your deductible and out of pocket maximum.

AETNA iTRIAGE: Navigate and take charge of your health from the palm of your hand with iTriage, a free mobile app from Aetna that you can download from the Apple App Store or Google Play. iTriage gives you on-the-go access to health care information, treatment options and in-network doctors and facilities, saving you time and money.

IN TOUCH CARE (ITC) COACHING: Aetna’s ITC coaching program provides your own personal nurse for you and your family. You can call with questions about a new diagnosis, ways to get healthy or questions about finding a provider or having a procedure, and they can provide you with the support you need.

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, after a six-month waiting period.  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.

Income Protection

SC provides company paid Life and AD&D coverage as well as company paid Short -Term Disability (STD) and Long-Term Disability (LTD), after eligibility is met, to protect you and your family during periods of extended illness.

Santander Consumer USA Reviews

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Santander Consumer USA President and CEO Scott Powell
Scott Powell
15 Ratings
  • Featured Review

    Helpful (8)

    "Great company, Benefits, and Pay"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in North Richland Hills, TX
    Former Employee - Anonymous Employee in North Richland Hills, TX
    Positive Outlook
    No opinion of CEO

    I worked at Santander Consumer USA full-time (More than 3 years)


    I loved every bit of working at Santander and I wish they would hire me back, I came to work did what I was supposed to do and more, overall experience with them is a 10


    I disliked the day that my entire team was split up and we got a new manager

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Santander Consumer USA Photos

Santander Consumer USA photo of: Thanksgiving Tower
Santander Consumer USA photo of: SC employees at work in Thanksgiving Tower
Santander Consumer USA photo of: Santander Consumer represented at the NYSE
Santander Consumer USA photo of: Mesa Office
Santander Consumer USA photo of: Mesa Office Grand Opening
Santander Consumer USA photo of: Mesa Office
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Santander Consumer USA Interviews



Getting an Interview

Getting an Interview





    Data Analyst Interview

    Anonymous Interview Candidate in New York, NY
    No Offer
    Positive Experience
    Easy Interview


    The process took 2+ weeks. I interviewed at Santander Consumer USA (New York, NY).


    As soon as I applied I got an online interview in which they asked 5 questions and asked me to record a video for every question. They were all behavioural questions.

    Interview Questions

    • What is your favorite subject that you have taken during your last sem and why?   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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