What are the responsibilities and job description for the Credit Risk Strategy- Small business Loans position at Infojini?
Job Title: Credit Risk Strategy – Small Business Loans
Location: New York (NY) / Delaware (DE)
Work Mode: Hybrid- 3 Days Onsite in a week
Employment Type: Full-Time Permanent
Key Responsibilities
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Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
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Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
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Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
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Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.
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Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.
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Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.
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Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.
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Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.
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Build and nurture long-term client relationships by understanding business needs and positioning clients credit risk solutions effectively.
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Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.
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Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.
Qualifications
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Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or a related field; Master’s degree preferred.
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7 years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
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Strong expertise in Small and Medium Business (SMB) lending products, including credit cards, business loans, working capital loans, and merchant cash advance.
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Strong experience working with bureau data such as D&B (Dun & Bradstreet) and SBFE (Small Business Financial Exchange).
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Proficiency in SAS, SQL, and Python. Tableau experience is a plus.
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Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
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Ability to synthesize complex analyses into clear recommendations for senior management.
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Strong communication, presentation, and stakeholder collaboration skills.
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Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.