Associate, Card Risk Strategy
Job Responsibilities
Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team
Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
Partner closely with product and risk teams in assessing new credit opportunities.
Set up reviews and processes to ensure we are executing well on our credit box assumptions
Define an execution plan for new credit opportunities
Develop and implement metrics to track acquisitions performance.
Lead the report outs for performance monitoring to senior leadership
Help shape credit policies, underwriting standards, and risk management frameworks
Ensure adherence to banking regulations and internal controls related to credit risk
Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
Provide approvals or recommendations for complex acquisitions related credit transactions
Required Qualifications, Skills And Capabilities
- A Bachelor's degree or higher in a quantitative discipline (ex: Finance, Statistics, Economics, Mathematics, Operations Research, among others)
- 3+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
- Exceptional quantitative and qualitative finance and analytical skills
- Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
- Proven experience in collaborating across teams and lines of business within large organizations
- Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
- Previous experience with either SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered)