Lead Risk Analytics Consultant

About this role: The CBL team is responsible for leading, developing and implementing strategic initiatives and processes to drive the company credit culture, appetite, and business performance. The team is seeking a talented and experienced Lead Risk Consultant to be part of the Credit Card Credit Card team. The candidate would be part of the Credit Card Strategy Analytics team and would provide analytical support across a wide array of process or life cycle including but not limited to originations, collections, recoveries ,payments, deferrals, delinquency and related operational processes. Primary role is to apply strong business knowledge and advanced analytical skills to solve business questions, think out-side-of-the-box and develop innovative yet practical risk management solutions. An individual who is results driven, goal oriented, and enjoys a fast-paced working environment will find this opportunity both challenging and exciting.
In this role, you will:

• Lead complex initiatives related to business analysis and modeling, including those that are cross functional, with broad impact, and act as key participant in data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics
• Review and analyze complex programing models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported
• Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product line
• Make decisions in complex product strategies, data modeling, and risk exposure, requiring solid understanding of business unit projects and regulatory responses, policies, procedures, and compliance requirements that influence and lead Analytic and Reporting to meet deliverables and drive new initiatives
• Collaborate and consult with peers, less experienced to more experienced managers, to resolve production, project, and regulatory issues, and achieve risk analysts, and common modeling goals
• Lead projects, teams, and mentor

Required Qualifications:

• 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• The incumbent would functionally contribute to the Credit Card team and execute relatively large and complex projects.
• Leads significant initiatives and processes, and partners with line of business management to drive the company credit culture, appetite, and business performance with inputs from senior leadership.
• Directs and coordinates the various activities related to assessing and predicting risk and performance through business analysis and/or modeling. Establishes effective policies, processes, and tools to identify and manage risks. Uses predictive sciences for developing future ready solutions.
• Develops comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making.
• Reports on asset quality (delinquency, loss rate), portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau and/or SAS Visual Analytics.
• Develops quantitative/qualitative tools and methodologies for forecasting losses in supporting portfolio planning, loan loss provisioning, or new account acquisitions.
• Develop, maintain, and enhance the complex programming to extract data and/or manipulate databases such as Oracle, Teradata to support LOB strategy. Perform complex data analysis to support data quality, data integrity control.
• Evaluate new data sources and attributes, internal and external from extensive case reviews. Analyze big data and understand / monitor trends to provide actionable insights across a range of risk analytics initiatives.
• Produce production of monthly, quarterly, and annual performance reports for senior management; review and analyze trends in current population distributions
• Provide research and process support for data lineage development and maintenance from Analytic data warehouse to its provisioning points. Provide access management related research support
• Bachelors degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences
• 5+ years of progressive experience in credit card domain with Recovery Strategy analytics development and analytic roles
• Hands on Experience in at least one area in credit risk analytics - credit strategy / modeling techniques / Forecasting techniques / data architecture management
• Good understanding of risk domain; Strong Risk analytics skills and understanding of PL and risk drivers.
• Expertise in few programming and statistical packages - SAS, SQL, Excel, VBA, Macros, R, Python, E-miner, Tableau, SAS VA
• Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other statistical modeling and/or Machine Learning techniques
• Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution

Job Expectations:

• Advanced degree in statistics/finance /engineering/economics/other quantitative disciplines
• Strong analytical skills with ability to turn findings into executable plans to meet business objectives
• Proficiency in Advanced SAS,SAS macros and SQL; Tableau or BI/automation tools
• Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
• Strong ability to develop partnerships and collaborate with other business and functional area