Senior Credit Risk Analyst

Description

Position Summary
Credit One Bank is seeking a Senior Credit Risk Analyst to join the Risk Customer Account Management team. The Risk Customer team leverages data, credit thinking, and analytics to improve decision-making, drive business impact, and set strategy for holistic customer understanding.

Summary Of Essential Job Functions

• Drive business strategies for growth, profitability, and competitive success in response to changing consumer and regulatory demands
• Make sound decisions and solve problems through data-driven analysis
• Apply analytical techniques and models to optimize risk strategies, segment customer populations, predict outcomes, and enhance program performance and efficiency
• Utilize statistical techniques for targeting, universe expansion, cutoff analysis, product mix optimization, and score utilization to drive step-change improvements in credit performance
• Conduct complex analyses to maximize profits and asset returns while minimizing credit losses and risks
• Identify business challenges and opportunities, solve them with analysis, and recommend strategic or tactical solutions
• Execute delivery of business intent, build business requirements, and execute program strategy. Manage multiple projects and programs concurrently
• Draft and maintain formal process documentation and flowcharts to visualize program workflows
• Communicate policy changes, test recommendations, program approvals, MIS, and performance trends to key stakeholders

Position Requirements

• Bachelor’s degree in a technical field such as mathematics, computer science, finance, economics, statistic, or related field
• 4+ years of strategy development and analytical experience in Credit, Operational Risk, Fraud, or similar strategy environment
• Advanced capability with at least one of the following: Python, R, SAS, SQL
• Prioritize advanced degree or comparable experience in a technical field such as mathematics, computer science, finance, economics, statistic, or related field
• 6+ years of strategy development and analytical experience in Credit, Operational Risk, Fraud, or similar strategy environment
• Direct experience in Credit, Operational Risk, Fraud, or similar strategy environment