The Credit Risk Senior Professional will be responsible for portfolio management strategy while continuously leading the analysis of credit trends, making change recommendations to leadership, and supporting projects that cover all aspects of credit risk. This position requires a combination of strategic thinking, quantitative analytics, and financial acumen, combined with collaborative skills to ensure credit risk policy and broader business line objectives are achieved. The successful candidate will possess a strong understanding of unsecured consumer lending with a specific emphasis on account management and/or acquisitions, pricing, and collections.

Job Responsibilities

Primary responsibilities for this position include but not limited to:

• Monitor and manage end-to-end credit portfolio management strategy using internal and external data sources: Multiple account acquisitions, CLI/CLD, over-limit authorizations, payment float, high-risk account management, reissue, etc.
• Drive vigilant portfolio monitoring through review of asset quality reporting, delinquency, and loss performance, key industry trends, peer benchmarking, and regulatory landscape.
• Develop and present periodic credit risk presentations to executive leadership and risk committees.
• Support implementation of portfolio risk management models.
• Lead/mentor junior risk analysts in support of portfolio deep-dives, remediating data quality issues impacting automated SAS and Tableau-driven MIS, addressing business queries, etc.

Qualifications

• A bachelor's degree in a related business field is strongly preferred.
• Must be comfortable in a hybrid setting that includes four on-site work days, and one day of remote work per week.
• 5 years of relevant consumer credit risk experience in consumer credit cards. Cross-functional experience (acquisitions, loss forecasting, marketing, pricing, profitability analytics, etc.) is a plus.
• Solid working knowledge of SAS, SQL, or other coding tools.
• Strong analytical, interpretive, collaborative, and problem-solving skills with the ability to develop common-sense solutions to complex business challenges.
• P&L knowledge and understanding of profit drivers.
• Excellent written and verbal communication skills, ability to convey actionable and understandable business intelligence.