Director managing risk, resilience, and performance for a Fortune 500 benefits provider. Leading initiatives and overseeing compliance with corporate policies and regulations.
About the role
- Risk Management professional skilled in data analysis for Small Business credit cards. Leading credit risk strategy development and execution while working closely with various teams.
Responsibilities
- 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
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