Lead the line management function for the Small Business Credit Card portfolio.
Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven credit line increase and decrease programs.
Develop tools, segmentations, and strategies to optimize financial impact of these programs.
Forecast the strategy’s financial impact and track actual against forecast.
Query large datasets using SAS, SQL Plus, or Python, performing segmentation and decision tree analysis.
Identify patterns through large credit card financial data.
Work with consumer and commercial bureaus to develop trigger strategies; identify data sources and tools that will assist with small business credit card line management efficiency.
Work closely with other areas of the organization such as system implementation teams to support strategy implementation.
Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers.
Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner.
Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized.
Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions.
Create and automate timely and accurate tracking and reports for senior management.
Summarize findings from the reports to deliver clear messages about strategy improvement opportunities.

Requirements

Bachelor's degree or equivalent work experience
Five to Seven years of related experience
Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
Three plus years of relevant experience in credit card risk management functions
In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
Strong analytical skills and ability to analyze models, tools, trends, and patterns
Expertise with Python, SAS, SAS EG or SQL plus to pull large amounts of data
Expertise with Power BI, Excel and PowerPoint
Expertise with Microsoft suites and productivity tools
Strong process facilitation, project management, analytical, and presentation skills
Experience working with small business credit card portfolio preferred

Benefits

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Applicant Tracking System Keywords

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

Hard Skills & Tools

data analysisrisk managementcredit card risk managementsegmentationdecision tree analysisdata-driven decision makingfinancial forecastingdata inventoryreport automationpattern identification

Soft Skills

analytical skillsproject managementprocess facilitationpresentation skillscommunication skills