Sr. Manager, Credit Risk Analytics
New
Based in the United StatesFull-TimeManager
SalaryBase salary range of approximately $190,000–$230,000 annually, plus bonus opportunities
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Job Details
- Experience
- 8+ years of experience in credit risk analytics; 3+ years of people leadership experience
- Required Skills
- Data AnalysisMachine LearningA/B testing
Requirements
- Master’s degree in Business, Economics, Statistics, Mathematics, Engineering, or a related quantitative field.
- 8+ years of experience in credit risk analytics, including acquisition and portfolio management for credit cards and/or personal loans.
- 3+ years of people leadership experience, with demonstrated ability to develop and guide analytical teams.
- Strong expertise in credit risk modeling, portfolio analytics, and data-driven decision systems.
- Hands-on experience with machine learning models, advanced analytics, and statistical modeling techniques.
- Proven ability to translate complex business problems into structured analytical frameworks and actionable insights.
- Experience with credit loss forecasting, stress testing, and risk appetite management.
- Strong communication skills, with the ability to present technical concepts clearly to executive and cross-functional audiences.
- Ability to thrive in a fast-paced, high-growth environment with strong ownership and accountability.
- Collaborative mindset with experience working across product, engineering, and compliance teams.
Responsibilities
- Develop, enhance, and optimize credit risk strategies across credit card and consumer lending portfolios using advanced analytics, ML/AI models, and statistical techniques.
- Own end-to-end credit lifecycle management, ensuring portfolio performance aligns with risk appetite, profitability targets, and regulatory requirements.
- Design and evaluate A/B tests and experimentation frameworks to assess risk-return trade-offs and improve decisioning strategies.
- Analyze portfolio performance at a granular segment level to identify key drivers, emerging risks, and opportunities for optimization.
- Translate analytical findings into actionable strategy recommendations for senior leadership and cross-functional stakeholders.
- Partner with Product, Engineering, Marketing, Legal, and Compliance teams to implement and operationalize credit strategies.
- Conduct credit loss forecasting and stress testing to support capital planning and risk management decisions.
- Identify, evaluate, and onboard new data sources and vendors to enhance credit decisioning capabilities.
- Ensure credit strategies comply with internal policies and external regulatory requirements.
- Perform ad-hoc deep-dive analyses across risk, product, and operational areas to support business decisions.
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