Applied Researcher in Artificial Intelligence

Applied Researcher in Artificial Intelligence

Santander ( is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.

This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Our Chief Data & Artificial Intelligence Officer (CDAIO) division is building a world-class AI & Data team to make a difference in the lives of over 170 million people worldwide, through one of the largest banks in the world. We are undergoing one of the biggest transformations in our history and technology is at the heart of our strategy.

Santander AI Labs is looking for an Applied Researcher in Artificial Intelligence based out of Madrid. At Santander AI Lab, we are building the world’s leading financial AI research hub — a place where science, technology, and impact converge. Our mission is to redefine the future of banking through frontier AI research.

We bring together researchers, engineers, and innovators from across the globe to pioneer breakthroughs in large language models, agentic AI, reinforcement learning, autonomous systems, and responsible AI governance. We create not just incremental improvements, but moonshot innovations that transform how millions of people interact with their money, businesses, and society.

You will join a world-class team with access to proprietary financial datasets, high-performance computing infrastructure, and partnerships with top universities and research institutes worldwide. We actively support publishing in top-tier venues (NeurIPS, ICML, ACL, CVPR, KDD, etc.), collaborations with academia, and global conference participation.

We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for :

• Adapt and fine-tune cutting-edge AI models (LLMs, NLP, IR, CV, multi-agent RL) to Santander’s real-world use cases.
• Build end-to-end prototypes that demonstrate the feasibility of frontier AI methods in banking applications (fraud detection, credit risk, digital onboarding, autonomous finance).
• Collaborate with Research Scientists to operationalize novel algorithms into production-ready pipelines.
• Work closely with ML engineers, product managers, and business stakeholders to ensure research transitions into products and services at global scale.
• Evaluate trade-offs between accuracy, efficiency, interpretability, and compliance, ensuring alignment with Responsible AI principles.
• Stay updated on recent AI advances and rapidly integrate breakthroughs into experimental prototypes.
• Contribute to open-source initiatives and represent Santander AI Lab in industry and academic forums.

What You’ll Bring : Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience :

Education :

Languages :

Hard Skills :

Soft Skills :

WE VALUE YOUR IMPACT : Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver.

We offer a range of benefits, including :

LOCAL COMPLIANCE : Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.

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