Card Portfolio Risk - Associate

Join a high-impact team shaping the future of credit risk management for our cards business. As a Strategic Analytics Associate, you’ll leverage advanced analytics to influence strategic decisions and safeguard our portfolio. Collaborate with industry experts and senior leaders, driving initiatives that directly affect business outcomes. Your insights will help us stay ahead of industry trends and regulatory changes. If you thrive in a dynamic, data-driven environment and are passionate about making a difference, this is the role for you. As a Card Risk Portfolio - Associate in the Credit Cards High Risk Account Management team, you will play a pivotal role in identifying, assessing, and mitigating risks to ensure we operate within established risk parameters and achieve long-term performance goals for our cards business. This opportunity allows you to lead end-to-end analytics initiatives, collaborate with cross-functional teams, and present actionable recommendations to senior leadership. You will be empowered to drive continuous improvement in risk management processes and contribute to the strategic direction of our credit card portfolio. Responsibilities Lead comprehensive analytics to measure and challenge key business initiatives and be able to independently generate solutions Provide thought leadership and lead initiatives end to end, including defining problem statements, identifying risks and opportunities, securing stakeholder buy-in, and bringing ideas to life Work independently and with various teams to identify and assess performance trends, utilizing both statistical and data mining tools and quantitative methodologies Conduct root cause analysis to provide clear, actionable recommendations to senior leadership and various stakeholders Prepare and present detailed risk monitoring reports to senior management and stakeholders, ensuring clear communication of findings Support the development and maintenance of the company’s risk management framework, ensuring compliance with regulatory requirements Monitor internal and external behavioral data along with public information on industry trends, regulatory changes, and credit risk management best practices to continuously improve risk management processes Required Qualifications, Capabilities and Skills 3+ years of experience in Credit cards risk management Ability to logically structure and execute analyses using strong analytic, interpretive and problem-solving skills Ability to translate complex analysis into practical solutions and create concise presentations with sound business conclusions A degree in a quantitative discipline (ex: Finance, Statistics, Economics, Mathematics, Operations Research, among others) Possess the drive to succeed, be results oriented, have high attention to detail, and independently make decisions Previous experience with either SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered) Preferred Qualifications, Capabilities and Skills Knowledge of consumer lending business We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. Equal Opportunity Employer/Disability/Veterans #J-18808-Ljbffr TwinThread