About the Role:

This role presents an excellent opportunity to work on a collection of lending products including personal loans, lines of credit as well as developing new product offerings. In this role, you will be self-driven and passionate about lending economics and partner externally and internally to ensure success.

What You Will Do:

• Manage, document and create credit risk policy for consumer lending portfolio.
• Monitor and evaluate performance of loan portfolio by utilizing various statistical and analytical techniques, tools, and benchmarking to proactively identify risks and opportunities.
• Develop underwriting strategies to maximize profitability while remaining within the bank’s risk appetite.
• Analyze opportunities for new product opportunities and provide analytical support for prioritization decisions and ultimately the growth strategy for the company.
• Partner with the Legal, Compliance and Credit Governance team to ensure all strategies and policies are accurately documented and comply with all applicable regulatory requirements.
• Collaborate with vendors and technology teams to ensure new strategies and models are implemented accurately and as designed.
• Conduct other ad hoc analyses as required to support the Credit Team's goals.

What You Will Need:

• Bachelor’s degree in Statistics, Math, Economics, Finance, or equivalent experience
• 5-7 years of experience in credit risk management, preferably in the consumer credit industry
• Strong analytical and problem-solving skills, combined with solid business acumen
• Exceptional written and communication skills, and ability to explain complex insights to a range of audiences
• Self-driven, with intense focus on results
• Strong team player and comfortable interacting with partners across areas and at varying levels of seniority
• Strong technical skills such as SAS, SQL, R/Python, and ability to independently access and analyze relational data sets
• Knowledge and experience with statistical analysis techniques, customer segmentation and credit bureau data.
• Experience with automated decision engine software, including strategy and custom scorecard implementations.

The responsibilities listed above are not all inclusive and may be changed at any time.

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