Sr. Manager/Associate Director - Analytics Consulting - Consumer Credit Risk
- New York City, NY
- Permanent
- Full-time
- Develops Consumer Credit Review plan using a risk-based approach and executes the Consumer Credit Reviews across all consumer lending products covering credit cards, personal loans, and home equity loans), including performing a risk assessment on the overall portfolio.
- Collaborates with credit strategy teams to mitigate any identified credit risk concerns. Reports finding through the appropriate, established governance processes.
- Interacts with business partners, senior management, governance committees, and regulators to present (both orally and written) Consumer Credit Review assessment results and analytic findings in a clear, complete, and concise manner.
- Develops, manages, and maintains reporting and oversight of consumer credit risk appetite, tolerance, and thresholds.
- This includes the awareness of consumer credit strategies and the implications of changes in strategy to the profitability of the enterprise.
- Develops and maintains credit-risk oversight processes, policies, and procedures in accordance with the overall Corporate Risk Management framework and system.
- Implements and maintains independent credit risk portfolio reporting across all consumer lending products.
- 8+ years of experience in risk/spend forecasting with policy experience in credit card, or related financial services industry.
- Experience in credit review, credit risk management, or internal audit credit risk coverage function at a large financial institution.
- Consumer Cards End-to-End Domain knowledge, across acquisition, customer management, collections, fraud etc. Risk, Spend and Balance forecasting using policy driver-based approaches.
- Strong SQL, Python (using Databricks notebooks) experience. Good Excel (graphs, small macros, pivot tables and charts) experience.
- Good experience with PowerPoint - converting the data to a story and making strategy/portfolio health presentations to leaders. Good understanding of credit acquisition, customer management policy.