Senior Group Risk Analyst, (US) RCSA Manager
TD
PythonSQL
Director, Credit Risk Management
Momentum
full-time
Posted on:
Origin: • 🇺🇸 United States
Visit company websiteJob Level
Lead
Tech Stack
PythonSQL
About the role
- Develop and implement credit strategies for US lending products, collaborating with senior leadership and cross-functional teams
- Design, implement, and optimize credit strategies for sub-prime lending, including origination, adjudication, underwriting, and portfolio management
- Maintain and enhance underwriting analytics, including approve/decline logic, loan assignment, refinancing, and eligibility criteria for marketing and risk-based pricing
- Monitor loan portfolio performance, including delinquency, charge-off, yield, and concentration risks
- Oversee daily work and analysis of the credit risk team to ensure accuracy, compliance, and actionable insights
- Monitor compliance with risk appetites and policies, ensuring frameworks align with regulatory standards
- Identify emerging risks, analyze key trends, and support proactive strategies to mitigate exposures
- Recommend policy, product, and strategy changes based on risk findings
- Lead, mentor, and manage a team of analysts, providing guidance, training, and development opportunities
- Collaborate with IT, Product, Marketing, and other departments to integrate risk management into business initiatives
- Deliver clear, actionable insights to senior executives with strong communication and presentation skills
- Leverage advanced data science and machine learning capabilities to enhance credit operations and decisioning processes
- Conduct in-depth analysis using SAS, SQL, R, Python, or equivalent tools to generate insights and forecasts
- Support the development of lifetime customer value models and loss forecasting methodologies
- Partner with lead generation platforms (LeadPoint, LendingTree, Lead Prosper) and leverage Ping Tree bidding systems to optimize acquisition quality
Requirements
- Expertise in consumer credit risk management, particularly in subprime lending
- Ability to lead cross-functional projects and influence business outcomes in a matrix environment
- Strong communication and interpersonal skills, with the ability to simplify complex information for both technical and non-technical audiences
- Proven analytical and problem-solving skills with a hands-on, detail-oriented mindset
- Curiosity and creativity, with the ability to identify opportunities for improvement and innovation
- Bachelor’s or Master’s degree in Finance, Economics, Computer Science, or related field (professional certification preferred)
- 10+ years of experience in consumer credit risk roles within financial services
- Demonstrated success in leading and managing analytical teams
- Strong knowledge of US subprime lending, associated risks, and regulatory frameworks
- Proficiency with credit risk tools, data manipulation, and statistical software (SAS, SQL, R, Python)
- Experience with lead generation platforms and Ping Tree bidding systems preferred
