Director, Credit Risk Analytics

This is a fully remote position, open to applicants in United States.

📋 Description

• Create strategies for underwriting, portfolio credit, pricing, and line management

• Utilize data, machine learning/artificial intelligence models, and advanced analytics tools to enhance credit performance

• Strengthen credit and fraud risk management while effectively balancing risk-return considerations

• Convert intricate findings into practical improvements

• Deliver data-informed recommendations to executive leadership and the Credit Risk Committee

• Convey complex data and insights to investors

• Collaborate with teams across Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering

• Ensure that credit losses align with the company’s established risk appetite

• Discover and assess new products, vendors, alternative data sources, and emerging technologies

• Develop business cases for new capabilities

• Track credit performance at detailed segment levels

• Determine performance drivers and identify emerging trends

• Implement adjustments to credit strategies as necessary

• Lead teams in creating automated credit decision strategies

• Manage the comprehensive credit strategy process and oversee the credit quality and performance of the Credit Card business

⛳️ Requirements

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a similar field

• Over 10 years of experience in managing credit risk within Credit Card businesses

• Strong business insight and extensive knowledge of credit management

• More than 5 years of leadership experience

• Demonstrated capability to develop and mentor high-performing teams

• Capacity to excel in a fast-paced environment and meet deadlines without sacrificing quality

• Exceptional thought leadership and ability to construct, refine, and enhance credit strategy frameworks

• Superior written and verbal communication skills

• Skill in clearly and succinctly articulating complex analyses and technical topics

• Team-oriented with a collaborative outlook

• Business-owner mindset

• Extensive and profound expertise in credit cards

• Experience with machine learning models, credit data, data analysis, and advanced analytics tools

🏝️ Benefits

• Competitive salary

• 401(k) with a 5% company match

• Flexible time off

• Paid parental leave

• Annual wellness allowance

• Comprehensive health coverage

• Access to Udemy

• Childcare assistance

• Pet insurance

• Additional savings through Beneplace

• Flexible work arrangements, including fully remote work

• Digital-first tools and a culture that intentionally supports remote employees