Lead Risk Initiatives : Lead a dynamic team to deliver impactful credit risk solutions across underwriting, exposure controls, and line management.Cross-Functional Collaboration : Work with product management, data science, and engineering teams to drive the implementation of risk strategies and build strong stakeholder relationships.Project Delivery : Manage tight timelines and ensure timely delivery of risk-related projects and initiatives.Data Integration : Identify, evaluate, and recommend new data sources that enhance risk differentiation and decision-making capabilities.Loss Trend Analysis : Analyze loss trends and simulate decisioning strategies to optimize revenue, approval rates, and portfolio performance.Model Strategy Alignment : Collaborate with data science teams to influence credit risk decisioning strategies and model deployment approaches.Scorecard Development : Build and maintain risk scorecards using internal and external data for both underwriting and account management reviews.Executive Communication : Prepare presentations and reports to communicate risk strategies and insights to leadership teams.Required Qualifications
- Educational Background : Bachelor's or Master's degree in Engineering, Statistics, Mathematics, Economics, Business, or a related quantitative discipline.
- Technical Experience : 5+ years of experience in data analysis, with strong proficiency in SQL, and experience using tools such as Python, R, and Databricks in financial or analytical contexts.
- Team Leadership : Minimum of 2 years of experience leading a high-performing team of analysts.
- Analytical Thinking : Strong problem-solving skills, attention to detail, and the ability to work with complex datasets.
- Stakeholder Engagement : Excellent communication and interpersonal skills to work effectively with cross-functional teams and senior stakeholders.
- Agility : Proven ability to work in fast-paced, ambiguous environments with a proactive mindset.
- Reporting and Communication : Strong skills in building executive presentations and reports to articulate strategy and performance.
Preferred Qualifications
- Non-Traditional Data : Experience working with alternative data sources such as social media or behavioral data.
- Modeling Experience : Prior experience with credit risk model development is a plus.
- Proactive Risk Management : Demonstrated ability to raise flags and keep teams informed of evolving risk or fraud-related issues.
Skills Required
Underwriting, Sql, Python, Databricks