Sr. Manager/ Associate Director- Credit Risk Manager / Credit Risk Strategy

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Requirements:

• Hands-on experience with credit risk/strategies.
• 8+ years of experience in Statistics, Economics, Engineering, quantitative field, equivalent internship, or research experience.
• Strong analytical skills.
• Proficiency in statistical techniques such as decision trees, regression, and other advanced predictive modeling, A/B testing.

Responsibilities:

• Develops, manages, and maintains reporting and oversight of consumer credit risk appetite, tolerance, and thresholds.
• Evaluates credit loss assumptions for benign and stress case scenarios used for strategy development.
• Gathers and analyzes macro-economic data, competitive benchmarking data, and determines impacts to ongoing portfolio performance.
• Recommends credit strategy changes as appropriate.
• Uses statistical techniques such as decision trees, regression, and other advanced predictive modeling, A/B testing to optimize credit risk.
• Develops, implements, and maintains processes for targeted review of credit strategies across all consumer lending products.
• Performs a risk assessment on the overall portfolio.
• Collaborates with credit strategy teams to mitigate any identified credit risk concerns.
• Reports findings through the appropriate, established governance processes.
• Develops and maintains credit-risk oversight processes, policies, and procedures in accordance with the overall Corporate Risk Management framework.
• Interacts with business partners, senior management, governance committees, and regulators to present analytic findings.
• Implements and maintains independent credit risk portfolio reporting across all consumer lending products.