Lakshmana Prasad Ramamurthy Form 3 Santander Consumer USA / Lakshmana Prasad Ramamurthy ownership change

Ex. 24

POWER OF ATTORNEY
     The undersigned hereby constitutes and appoints each of Christopher
Pfirrman, Kristopher R. Tate and Richard Walden, signing singly, as the
undersigned's true and lawful attorney-in-fact to:

      (1)     execute for and on behalf of the undersigned, in the undersigned's
     capacity as a director and/or officer of Santander Consumer USA Holdings
     Inc. (the "Company"), Forms 3, 4 and 5 in accordance with Section 16(a)
     of the Securities Exchange Act of 1934, as amended, and the rules
     thereunder (the "Exchange Act") and Form ID, if necessary, to obtain
     EDGAR codes and related documentation for use in filing Forms 3, 4 and 5;

     (2)     do and perform any and all acts for and on behalf of the undersigned
     which may be necessary or desirable to complete and execute any such
     Form 3, 4 or 5 or Form ID, complete and execute any amendment or
     amendments thereto, and file such forms with the U.S. Securities and
     Exchange Commission and any stock exchange or similar authority;

     (3)    take any other action of any type whatsoever in connection with the
     foregoing which, in the opinion of such attorney-in-fact, may be of
     benefit to, in the best interest of, or legally required by, the
     undersigned, it being understood that the documents executed by such
     attorney-in-fact on behalf of the undersigned pursuant to this Power
     of Attorney shall be in such form and shall contain such terms and
     conditions as such attorney-in-fact may approve in such
     attorney-in-fact's discretion; and

     (4)     seek or obtain, as the undersigned's attorney-in-fact and on the
     undersigned's behalf, information regarding transactions in the
     Company's securities from any third party, including brokers, employee
     benefit plan administrators and trustees, and the undersigned hereby
     authorizes any such person to release any such information to such
     attorney-in-fact and approves and ratifies any such release of
     information.

     The undersigned hereby grants to each such attorney-in-fact full power
and authority to do and perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in connection with the exercise
of any of the rights and powers herein granted, as fully to all intents and
purposes as the undersigned might or could do if personally present,
with full power of substitution or revocation, hereby ratifying and
confirming all that such attorney-in-fact, or such attorney-in-fact's
substitute or substitutes, shall lawfully do or cause to be done by
virtue of this Power of Attorney and the rights and powers herein
granted. The undersigned acknowledges that the foregoing
attorneys-in-fact, in serving in such capacity at the request of the
undersigned, are not assuming, nor is the Company assuming, any of the
undersigned's responsibilities to comply with Section 16 of the Exchange Act.

      This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4, and 5 with respect
to the undersigned's holdings of and transactions in securities issued by
the Company, unless earlier revoked by the undersigned in a signed writing
delivered to the foregoing attorneys-in-fact.

      This Power of Attorney does not relieve the undersigned from
responsibility for compliance with the undersigned's obligations under
the Exchange Act, including, without limitation, the reporting requirements
under Section 16 of the Exchange Act. Additionally, although pursuant to
this Power of Attorney the Company will use commercially reasonable best
efforts to timely and accurately file Section 16 reports on behalf of the
undersigned, the Company does not represent or warrant that it will
be able to in all cases timely and accurately file Section 16 reports on
behalf of the undersigned due to various factors and the undersigned's
and the Company's need to rely on others for information, including
the undersigned and brokers of the undersigned.

[Signature Page Follows]


      IN WITNESS WHEREOF, the undersigned had caused this Power of Attorney to
be executed as of this 4th day of January, 2021.



By: /s/ Lakshmana Prasad Ramamurthy
Name:   Lakshmana Prasad Ramamurthy (a/k/a RL Prasad)