Senior Credit Risk Analyst

Description

Position Summary

Credit One Bank is seeking a Senior Credit Risk Analyst to join the Risk Customer Account Management team. The Risk Customer team is responsible for leveraging data, credit thinking, and analytics to improve the quality of decisions made, drive tangible business impact, and set the strategy in our journey to holistically know our customers.
As a Senior Credit Risk Analyst, you will be directly responsible for supporting and overseeing the Bank’s customer Retention and Reinstatement programs. You will apply strategic and analytical skills to major company challenges and objectives. You will team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.

Summary of Essential Job Functions

• Drive business strategies that will facilitate growth, profitability, and competitive success for Credit One Bank in the face of shifting consumer and regulatory demands
• Sound decision making and problem solving based on data driven analysis. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytics & credit risk management
• Use analytical techniques and models to optimize risk strategies, segment customer populations, perform risk based prediction of customer or operational outcomes and increase program performance and efficiency
• Apply statistical techniques to deliver accretive strategies across targeting, universe expansion, cutoff analysis, product mix optimization, and score utilization
• Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior and testing hypotheses using rigorous monitoring and analysis
• Perform complex analyses to maximize profits and asset returns while minimizing credit losses and other risk exposures
• Identify business challenges and opportunities for improvement and solve for them using analysis to make strategic or tactical recommendations
• Execute delivery of business intent, build business requirements and execute against program strategy. Oversee multiple projects and programs concurrently
• Draft and maintain formal process documentation (e.g. program strategy and procedures) and flowcharts/diagrams to visualize program workflows
• Impeccable written and oral communication skills to influence and drive agreement among colleagues
• Collaborate with colleagues across Credit One Bank including:  IT, Operations, Customer Experience, Finance and others to facilitate improvement in quality, volume, service, and profitability
• Display an intense focus on achieving both short and long term goals. 
• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment
• Communicate policy changes and test recommendations, program approvals, MIS and performance trends with key stakeholders

Position Requirements

• Bachelor’s degree in a technical field such as mathematics, computer science, finance, economics, statistic or related field
• 4+ years of strategy development and analytical experience in Credit, Operational Risk, Fraud, or similar strategy environment
• Advanced capability with at least one of the following: Python, R, SAS, SQL

Preferred 

• Advanced degree or comparable experience in a technical field such as mathematics, computer science, finance, economics, statistic or related field
• 6+ years of strategy development and analytical experience in Credit, Operational Risk, Fraud, or similar strategy environment
• Direct experience in Credit, Operational Risk, Fraud, or similar strategy environment

Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.