Credit Portfolio Manager

Job TitleU.S. Bank is hiring a Risk Management professional skilled in SAS/SQL, data analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business credit card Risk Strategy team.Position HighlightsResponsible for underwriting strategies 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 forecastClearly and timely communicate strategy changes and financial impact to partners and senior leadersQuery large datasets using tools such as Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial dataWork with consumer and commercial bureaus to improve data sources and tool for strategy improvementReview accounts in the decisioning systems to validate accuracy of strategy execution and stability of key driversMonitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely mannerWork 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 decisionsUtilize 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 opportunitiesBasic QualificationsBachelor's degree or equivalent work experienceFive to seven years of related experiencePreferred Skills and ExperienceBachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science or equivalent work experienceCandidates with two plus years of relevant experience in credit card risk management functions are encouraged to applyIn-depth understanding of the Risk Management function in credit card risk management with a focus on line managementStrong analytical skills and ability to analyze models, tools, trends, and patternsExpertise with any of these tool - Python, SAS, SAS EG or SQL plus to pull large amounts of dataExpertise with Microsoft suites and productivity tools, especially with Excel and PowerPointExpertise with Power BI is a plusStrong process facilitation, project management, analytical, and presentation skillsExperience working with small business credit card portfolio preferredHybrid/flexible scheduleThe role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.Benefits:Healthcare (medical, dental, vision)Basic term and optional term life insuranceShort-term and long-term disabilityPregnancy disability and parental leave401(k) and employer-funded retirement planPaid vacation (from two to five weeks depending on salary grade and tenure)Up to 11 paid holiday opportunitiesAdoption assistanceSick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawU.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $105,400.00 - $124,000.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.Posting may be closed earlier due to high volume of applicants.