Credit Risk Analytics Intermediate Analyst

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Job Overview

The Credit Portfolio Intermediate Analyst role is a senior individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

Role Summary:

• Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses

• Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards

• Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio

• Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes

• Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.

• Must be able to effectively provide updates and communicate key initiatives to senior risk management.

• Analyze tests and performance using SAS and decision tree (CHAID/ CART)

• Evaluate effectiveness of current policies and strategies

Responsibilities:

• Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

• Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends.

• Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

• Must have capability to clearly develop and communicate analysis

• Own risk assessment of acquisition strategies across channels and products.

• Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions.

• Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments.

• Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data.

• A good understanding of credit life cycle

• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job

• Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

Skills:

• Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections

• Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.

• Highly proficient in Excel/pivot tables and PowerPoint.

• Exposure to project/process management

• Strong communication and presentation skills targeting a variety of audiences

• Flexibility in approach and thought process Strong influencing and facilitation skills.

Qualifications:

• 4+ years of relevant experience in credit card risk analytics, consumer lending, or financial analytics.

Education:

• Bachelor's degree/University degree or equivalent experience in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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