Sr. Manager, Credit Risk Analytics - Credit Card

About the role

The Senior Manager, Credit Risk Analytics is responsible for portfolio credit strategies and oversight of credit quality and performance of the Credit Card portfolios. They will be responsible for the life cycle of credit management including compliance with requirements of regulators and internal control and will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the portfolio.

Responsibilities

• Develop credit strategies to improve the credit performance by using data, ML/AI models and advanced analytics tools.
• Turn findings/gaps into strategy enhancement to present recommendations to the Risk Management and broader Prosper community with the considerations of business impact and cost needed.
• Ensure credit losses remain within the company’s defined risk appetite.
• Bring innovative/out of the box thinking to make recommendations and approaching/solving problems.
• Partner with Product, Marketing and Engineering teams to implement strategies and monitor the strategy performance.
• Conduct ad-hoc analysis related to risk management, investor services, product, and operations.
• Analyze portfolio performance at a granular segment level on an ongoing basis, identify key performance drivers and emerging trends.
• Work with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements.

Requirements

Master’s degree in Business, Statistics, Mathematics, Engineering or Economics
8+ years of experience managing credit risk for credit card portfolios, driving profitable growth while achieving risk management objectives
Strong business acumen and extensive knowledge about credit management
3+ years of people leadership experience
Outstanding thought leadership and skills to translate business problem into analytical problems; ability to build and enhance framework
Exceptional communication skills in both written and oral – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
A quick thinker and can handle questions on unfamiliar topics with convincing skills
A team player – collaborate with people across functions and a business owner mentality
Ability to work in fast-paced environment and meet deadlines without sacrificing quality
Ability to work productively in a remote/in-person hybrid working environment

Qualifications

Experience with credit loss forecast and stress testing exercise.

Skills

• Master’s degree in Business, Statistics, Mathematics, Engineering or Economics
• 8+ years of experience managing credit risk for credit card portfolios, driving profitable growth while achieving risk management objectives
• Strong business acumen and extensive knowledge about credit management
• 3+ years of people leadership experience
• Outstanding thought leadership and skills to translate business problem into analytical problems; ability to build and enhance framework
• Exceptional communication skills in both written and oral – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
• A quick thinker and can handle questions on unfamiliar topics with convincing skills
• A team player – collaborate with people across functions and a business owner mentality
• Ability to work in fast-paced environment and meet deadlines without sacrificing quality
• Ability to work productively in a remote/in-person hybrid working environment

Pay

$190,000 - $230,000 a year

Schedule

Full-time