Job Responsibilities
- Identify and implement world-class Underwriting strategies while ensuring that all aspects of credit, legal, reputational and operational risks are considered.
- Develop and maintain periodic analytics to provide management with full insight into emerging trends, the quality of the originated accounts, and make changes to the credit strategy.
- Attain a detailed understanding of key performance metrics and profitability drivers, enabling the delivery of insights encompassing the full account lifecycle.
- Conduct ad hoc analytics and contribute to various projects representing Risk Management.
- Work both independently and collaboratively to complete analytical tasks; starting with problem identification, analysis of large & complex data and formulating concise conclusions with actionable recommendations.
- Communicate with Executive stakeholders on risk initiatives and solution discussion.
- Develop deep and productive working relationship with the leaders across Marketing, Finance, Risk Execution, Legal and Compliance.
Required Qualifications, Capabilities and Skills
- Bachelor's Degree in a quantitative discipline (statistics, econometric, or similar field)
- Minimum of 8 years of experience in a quantitative role
- Good analytical mindset and strong problem solving skills
- Proficient in performing analytics using SAS or equivalent analytical tool and ability to query large amounts of data using SQL and transform the raw data into actionable management information
- Ability to logically structure analyses using strong analytical, interpretive, and problem-solving skills and translate into sound business conclusions
- Ability to partner and influence across organizations to deliver new capabilities and changes
Required Qualifications, Capabilities and Skills
- Master's degree and 6+ years of risk management
- Advanced understanding of SAS, SAS Enterprise Miner, or other decision tree software
- Familiarity with current analytical techniques, e.g. regression, decision trees and segmentation techniques
- Familiarity with risk analytic techniques
- Experience in card risk management