Truist Decision Science Director - Consumer Payments 

United States, North Carolina, Charlotte 

928419709

Regular or Temporary:

English (Required)

1st shift (United States of America)The following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
• Provide strategic direction and thought leadership for Consumer Payments Analytics, including but not limited to:
o Risk analytics: portfolio health, optimization, and credit risk strategies related to credit decision processeso Decision modeling: experience in developing and optimizing decision models for credit card
o Product profitability: understanding of key profitability metrics and ability to create product-level P&Lso Funnel analytics: tracking performance across all touchpoints, from initial interest to conversion
• Develop and manage key Portfolio Management strategies to grow exposure profitably including (but not limited) balance build programs, retention & exposure management
• Optimize card and digital payment product strategies to increase engagement
• Optimize card portfolio yield by designing credit limit management, balance & spend increase strategies
• Leverage knowledge of consumer-lending best practices, including the use of advanced statistical techniques and data sources that optimize the risk reward balance, improve client experience, and drive operational efficiencies
• Identify strategic opportunities, synthesize data to craft compelling stories and present recommendations to senior management for decision making
• Perform advanced analytics methods to extract value from business data
• Perform large-scale experimentation and build data-driven models to answer business questions
• Influence product teams through presentation of data-based recommendations
• Evangelize best practices to analytics and products teams

QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. The incumbent must demonstrate a combination of academic aptitude, quantitative skills, business acumen, working knowledge of transaction processing application software, application processing systems, and collection inventory systems, strategic and creative thinking, and excellent written and verbal communications skills
2. Bachelor’s degree and 15 years of progressive experience, or equivalent education and related training in Banking, Finance, Decision/Data Science, Analytics, Computer Science, Applied Mathematics, or Engineering
3. Broad and in-depth expertise of data and analytics as a professional discipline, 10 years of analytics leadership experience with a diverse project focus and demonstrated results
4. Ability to lead and manage performance of large scale teams against financial and operational objectives
5. Must be a people leader, able to manage Decision Science Managers and individual contributors in a cross-functional and collaborative team environment including teammate coaching, mentoring and career development
6. Robust understanding of key business processes and strategies
7. Demonstrated ability to engage and manage a diverse set of internal business partners, product sets, and projects, translating business strategies and emerging external trends to organizational and operational tactics and connecting insights with execution and business impact
8. Ability to influence and negotiate with other Senior Leaders in light of their unique perspectives and competing priorities
9. Innovative and strategic thinker with a strong bias to action and focus on quantifiable business impact; Ability to lead significant cross-functional initiatives including deployment of advanced analytics (AI/ML) capabilities
10. Experience in managing multiple teams/projects with tight deadlines in a collaborative environment; Ability to pivot and align resources to drive maximum impact
11. Understanding of various database environments (IBM DB2, Oracle), technical programming skills (SAS, SQL, Toad), exposure to applied data science tools (R, Python, SAS E-Miner), familiarity with data visualization and BI tools (Tableau, MicroStrategy), working knowledge of analytical toolsets (Adobe Marketing Stack) and demonstrated proficiency in Microsoft Office Suite (Excel, PowerPoint, Word)
12. Knowledge of the external environment including Truist’s competition, regulatory requirements and trend, and the strategies employed to continually meet the demands of internal and external stakeholders

Preferred Qualifications:
1. Master’s degree
2. Previous experience in the banking industry

3. 15+ years large bank experience in analytics, risk analytics, credit risk management and/or risk strategy across diverse high volume lending businesses (e.g., credit card, digital payments, automotive, fintech)

Outstanding communication and presentation skills; ability to distill and translate complex data and strategies to diverse stakeholders in clear, crisp terms