Senior Financial Analyst - Risk

About the role

The Senior Financial Analyst will be responsible for managing existing customer account programs in terms of risk performance and overall profitability. The role involves performing deep dive analysis at the program level and ad hoc analyses as needed, identifying opportunities to enhance program performance or increase program volume without negatively impacting profitability, and developing and managing delinquency and profitability forecasting models.

Responsibilities

• Analyze program-level historical P&L performance to identify revenue opportunities and risk factors such as roll rates and delinquent buckets at an early stage.
• Communicate trends and findings to team members, upper management, and various stakeholders via department meetings with PowerPoint presentations on a monthly and quarterly basis.
• Forecast future performance of existing customer programs utilizing Excel-based and/or SAS-based P&L forecast models while assessing variances between forecasted vs. actual results.
• Optimize strategies to grow the company’s bottom line including testing of various fees, credit line increase and convenience check amounts.
• Develop ad-hoc historical reports to assist with financial analysis as needed.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics or related field (advanced degree preferred).
• 5+ years work experience in Finance, Risk, Analytics, or similar role in a professional corporate environment.
• 5+ years advanced use of: Microsoft Excel, Microsoft PowerPoint, SAS or SQL.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to prioritize projects, work independently, deal with ambiguity, handle tight deadlines, and achieve effective results in a fast-paced, dynamic environment.
• Experience analyzing large data sets, developing recommendations, and simplifying for presentation.
• Excellent verbal and written communication skills.
• Ability to work well with various departments and teammates.
• Constant desire to learn and grow.

Preferred

• Advanced degree in Finance, Economics, Business, or Mathematics.
• 5+ years advanced use of: Microsoft Excel VBA.
• Consumer Credit Card industry experience.