Senior Credit Risk Analyst - Customer Account Management

About the Role

Credit One Bank is seeking a Senior Risk Strategy Analyst to join the Credit Risk team. The Risk Customer team leverages data, credit thinking, and analytics to improve decision quality, drive business impact, and shape strategy in understanding customers holistically. In this role, you will support and oversee the Bank’s customer Retention and Reinstatement programs, applying strategic and analytical skills to major company challenges.

You will collaborate with world-class professionals to develop and test strategies that impact the bottom line in a collaborative environment that values insight, encourages new responsibility, promotes continuous learning, and rewards innovation.

Responsibilities

• Drive business strategies to facilitate growth, profitability, and competitive success amid shifting consumer and regulatory demands through data-driven decision-making and problem-solving.
• Use analytical techniques and models to optimize risk strategies, segment customer populations, predict risk-based outcomes, and improve program performance and efficiency.
• Apply statistical techniques to deliver accretive strategies across targeting, universe expansion, cutoff analysis, product mix optimization, and score utilization.
• Drive step-change improvements in credit performance by connecting future consumer credit trends to historical behavior and testing hypotheses through rigorous monitoring and analysis.
• Perform complex analyses to maximize profits and asset returns while minimizing credit losses and other risk exposures.
• Identify business challenges and opportunities, using analysis to make strategic or tactical recommendations.
• Execute delivery of business intent, build business requirements, and implement program strategies while overseeing multiple projects concurrently.
• Draft and maintain formal process documentation, including program strategies, procedures, and workflow visualizations (e.g., flowcharts/diagrams).
• Communicate policy changes, test recommendations, program approvals, MIS, and performance trends to key stakeholders with impeccable written and oral communication skills.
• Collaborate with colleagues across Credit One Bank, including IT, Operations, Customer Experience, and Finance, to improve quality, volume, service, and profitability.
• Display a focus on achieving both short- and long-term goals in a fast-paced, entrepreneurial, and dynamic environment.

Requirements

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

Preferred Qualifications

• Advanced degree or comparable experience in a technical field such as mathematics, computer science, finance, economics, or statistics.
• 6+ years of strategy development and analytical experience in Credit, Operational Risk, Fraud, or a similar strategy environment.
• Direct experience in Credit, Operational Risk, Fraud, or a similar strategy environment.