The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers.

The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support  overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities .

What you’ll do:

• Innovate… Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen and underwriting strategies.
• Data Driven… Your deep analysis will power the future of lending with an optimal real-time data ecosystem – including multi-product internal, bureau, third-party, and alternative data sources and uses.
• Iterate, learn, innovate… We are all responsible for innovation and must embrace data-driven decisions.
• Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
• Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members.

What you’ll need:

• 4+ years of related experience
• Business acumen and work experience in the consumer lending business (loans or credit cards)
• Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post-implementation monitoring
• Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
• Proficient skills in Excel, SQL and Python
• A demonstrated ability to synthesize and communicate analysis to business partners and senior management
• High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
• Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau
• Preferred: 4+ years of consumer lending credit strategy work experience
• Preferred: Experience in analyzing and testing credit strategies or models to meet the fair lending requirements
• Preferred: Advanced degree (Master’s or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

• Are you interested in this position?

   

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