Vice President, New Account Underwriting and Fraud Strategy
BMG Money
CloudPythonSQL
Senior Manager / Associate Director, Analytics Consulting – Consumer Credit Risk
Tiger Analytics
full-time
Posted on:
Origin: • 🇺🇸 United States • New York
Visit company websiteJob Level
Senior
Tech Stack
PythonSQL
About the role
- 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 and reports findings through appropriate 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.
- Develops, manages, and maintains reporting and oversight of consumer credit risk appetite, tolerance, and thresholds.
- Maintains awareness of consumer credit strategies and assesses implications of strategy changes to enterprise profitability.
- Develops and maintains credit-risk oversight processes, policies, and procedures in accordance with the Corporate Risk Management framework.
- Implements and maintains independent credit risk portfolio reporting across all consumer lending products.
Requirements
- 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.
