Lead risk event and issue management for Capital One's Premium Products & Experiences. Collaborate with partners to ensure timely containment and recovery activities while supporting root cause analysis.
About the role
- Risk Manager managing credit card risks through data-driven underwriting strategies for small businesses at U.S. Bank. Leading risk management initiatives to optimize financial impacts and improve performance metrics.
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 underwriting strategy improvements
- Develop tools, segmentations, and strategies to optimize financial impact of these programs
- Forecast the strategy’s financial impact and track actual against forecast
- Clearly and timely communicate strategy changes and financial impact to Cobrand partners and senior leaders
- Query large datasets using Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis
- Identify patterns through large credit card financial data
- Work with consumer and commercial bureaus to improve data sources and tool for strategy improvement
- 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
- Utilize reporting tools such as Power BI to 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
- Typically more than 10 years of applicable experience
- Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
- Five 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 suite 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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