Senior Credit Risk Analyst - Fintech

About the role

This individual will be responsible for developing, optimizing and managing strategies for credit card underwriting, risk-based pricing, portfolio management, debt collections and loss forecasting. They will drive product adoption by leveraging test and learn agendas, lifetime valuations based decisioning and risk prediction models. They will be responsible for managing credit policies for multiple stages of the product life cycle, and will be deeply attuned to program performance.

Responsibilities

• Develop, implement and manage credit risk management strategies across customer targeting, underwriting, portfolio management, collections and drive overall card profitability
• Leverage cashflow analyses and other business data of Intuit’s Quick Books customers to enhance underwriting and overall risk management
• Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
• Develop monitoring frameworks and reporting on key performance indicators
• Establish performance expectations and maintain accountability for variance with actuals
• Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
• Partner with Product, Engineering, Compliance, Marketing, Operations, Capital Markets and other functions to implement and monitor credit strategy changes
• Proactively contribute innovative concepts for the creation of new financing products at Intuit

Qualifications

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines
• Minimum 6 years of experience in credit risk analytics and risk management, with some people management experience
• Familiarity with risk scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
• Deep understanding of credit data including bureau attributes, risk scores, cash flow attributes and alternate data sources
• Excellent analytical and problem-solving skills with a proven track record of converting analysis insights into business recommendations
• Exceptional verbal and written communication skills to effectively communicate complex ideas and influence senior audiences in decision making
• Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau