Santanu Pal

Santanu Pal is an experienced financial professional with a strong background in economics and risk management. Currently serving as the Director of Model Development at Santander Bank, N.A. since April 2016, Santanu is responsible for developing credit risk models for retail portfolios, including residential mortgage and home equity. Prior to this role, Santanu held various significant positions at Citi, including Senior Vice President, Risk Policy Manager at Citibank North America, and Vice President at Citigroup. Santanu began the career as an analyst at Citigroup from 2006 to 2008. Academic credentials include a Ph.D. in Economics from the University at Albany, a Master's degree in Economics from Jawaharlal Nehru University, and a Bachelor of Science in Economics from Qwen.