Credit Risk Manager

Posted 2024-10-22

💎 Seniority level: Manager, Minimum of 2 years

📍 Location: United States

🔍 Industry: B2B payments

🏢 Company: Credit Key

🗣️ Languages: English

⏳ Experience: Minimum of 2 years

🪄 Skills: PythonSQLData AnalysisTableauStrategyData analysisCommunication Skills

Bachelor’s Degree in a STEM field; Master’s Degree preferred.
Minimum of 2 years of experience in a credit and/or fraud strategy development role at a lending organization.
Experience working with large, complex time series datasets at a financial institution.
Hands-on experience in data analysis using tools such as Python, R, SQL, Tableau, and SAS.
Proven experience utilizing consumer and commercial credit data for enhancing credit strategies.
Expertise in automated decision engine underwriting strategy and monitoring changes.
Financial modeling skills for cost-benefit analysis from A/B testing.
Strong communication skills to influence stakeholders including executive management.
Team player with the ability to communicate with both technical and non-technical stakeholders.
Prior experience in small business or commercial lending is a plus.

Propose, implement, and analyze testing to enhance credit risk framework features including approvals, line assignment, pricing, and term lengths.
Create strategies to identify and mitigate fraud risk throughout the credit lifecycle.
Partner with small business lending data providers to optimize and explore new data for credit and fraud strategies.
Conduct A/B testing experiments to improve credit performance.
Implement and monitor proprietary credit models utilizing unique data.
Develop and execute credit and fraud risk tracking and credit bureau reporting.
Work cross-functionally with key stakeholders in Finance, Product, Marketing, and Operations.

Posted 2024-10-15

📍 United States, Canada

🔍 Advanced analytics consulting

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.

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.

LeadershipData AnalysisMachine LearningStrategyData analysisData scienceCommunication SkillsAnalytical SkillsCollaboration

Posted 2024-10-15

🔧 Requirements