Credit Risk Analytics Intermediate Analyst

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible in US Consumer Cards ECM Risk Team.

Responsibilities: Develop Risk Segmentation, Underwriting, Line management, Account management strategies, PnL optimization

Hands on experience of Credit Risk strategy development.

Work closely with cross functional teams, including business stakeholders, MRM and governance teams, and model implementation teams. Implement initiatives to ensure consistency and compliance with global credit policies

Observe key credit trends, threats, inaccuracies and drivers of those observations. Support Audit requirements from external/internal auditors & queries from Independent Risk

Strong analytic, strategic and project management skills

Create story boards, presentations and project plans for discussions with senior management – drive insights

Utilize UNIX and Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and hypothesis testing

Knowledge and experience of statistical procedures and financial analytic tools. (SQL, R, Python, Hadoop, Spark, SAS) and Machine Learning knowledge preferred

Qualifications: 5+ years of relevant experience

Ability to apply credit and risk principles toward business goals

Gen AI/ AI ML proficiency is a plus

Data visualization, Tableau, Python skill are a plus

Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency

Proven ability to remain organized in a fast-paced environment, managing multiple projects

Proven interpersonal, organizational and analytic skills

Education: Advanced Degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline

Job Family Group: Risk Management

Job Family: Portfolio Credit Risk Management

Time Type: Full time

Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

Other Relevant Skills Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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