Evaluate and refine credit policies and models for both consumer and SMB credit cards to minimize losses and enhance profitability.
Develop and implement tailored, data-driven strategies for effective management of the consumer and SMB credit card portfolios.
Conduct risk segmentation, behavioral, loss forecasting, line management and other empirical analyses to support and refine credit models used in underwriting practices for consumer and SMB credit card portfolios.
Build dashboards and present regular reports on key performance indicators (KPIs) and key risk indicators (KRIs) specific to consumer and SMB credit cards to senior management.
Maintain up-to-date knowledge of regulations and compliance requirements affecting both consumer and SMB credit card products.

Requirements

Bachelor’s degree in Mathematics, Statistics, Economics, Finance, or another quantitative field.
Minimum of 3 years of professional experience in a financial institution with a focus on credit risk analysis.
Advanced proficiency in SQL and experience with statistical modeling, including machine learning techniques.
Demonstrated ability to solve white space problems and develop innovative solutions.
Exceptional attention to detail and the ability to work independently on complex projects.
Strong communication skills, with experience in presenting and explaining complex data to senior leadership.
Innate curiosity to dive into a problem with minimal instruction to discover what the issue might be.

Benefits

Multiple health insurance options
Flexible time off – take what you need
Retirement savings program with company contribution and after tax contributions
Equity in a publicly-traded company and an Employee Stock Purchase Program
Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave
Free therapy sessions, financial and professional coaching, and legal advice
Monthly stipend to support our remote work model
Annual “development dollars” to support our people growth and development
Through Flex First, the freedom to live and work wherever you and your family thrive
Annual “development dollars” to support our people growth and development

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

SQLstatistical modelingmachine learningcredit risk analysisdata-driven strategiesrisk segmentationbehavioral analysisloss forecastingline managementdashboard development

Soft Skills

attention to detailindependent workproblem-solvinginnovative solutionscommunication skillspresentation skillscuriosityanalytical thinkingcomplex project managementdata explanation