Credit Risk Analyst

Role Summary The AVP, Credit Analytics & Reporting will lead the development and delivery of insights that drive our credit performance. This role partners closely with Portfolio Management and Credit Strategy to translate account-level data into clear, actionable reporting—quantifying trends, monitoring key credit metrics, and evaluating the impact of strategy changes. The AVP will build deep expertise in credit risk management concepts and leverage one or more data visualization platforms to create compelling dashboards and analyses. As a trusted subject matter expert, this position enables data‑driven decisions through rigorous performance monitoring, portfolio insights, and forward‑looking analytics. Our Way of Working We’re proud to offer you flexibility. You can work from home near one of our Hubs or come into one of our offices. You will be required to commute to your nearest Hub (virtual or physical) for in‑person engagement activities such as regular business or team meetings, training and culture events. Essential Responsibilities Monitor and tell the story of portfolio performance across acquisition and account management metrics. Proactively communicate emerging risk by partnering with Credit Strategy and Portfolio Credit Managers to pinpoint the “why” behind performance shifts. Partner cross‑functionally to design, build, and continuously enhance analytics and reporting that directly align to evolving business needs. Leverage SAS and other analytics tools to source, cleanse, and structure data into analysis‑ready datasets that power reliable insights. Build intuitive, interactive visualizations that enable leaders to drill into key portfolio drivers and quickly identify opportunities and risks. Turn analysis into action by delivering insights that influence credit strategies, improve performance, and drive measurable business outcomes. Be bold by simplifying workflows and automating repeatable processes leveraging AI — maximizing current technology and exploring new tools where it adds value. Support special projects and ad‑hoc requests as needed to advance team and business priorities. Qualification / Requirements Bachelor’s degree and minimum of 2 years of experience in analytics, or in lieu of a degree 8 years of experience in retail, business, or private label credit. 2+ years of experience in Credit, Collections, Risk, Finance, or other Data Analytics role. 2+ years of experience with SAS, SQL, or Python programming language. 1+ year experience with SAS Visual Analytics or Tableau. Ability and flexibility to travel for business as required. Desired Characteristics Naturally curious, inventive, and analytical—brings creative problem‑solving and strong critical thinking to ambiguous business questions. Insight‑driven and data fluent—able to synthesize complex analyses into clear conclusions, actionable recommendations, and compelling narratives. Thrives in a dynamic environment—comfortable juggling multiple priorities, shifting deadlines, and rapid decision cycles without losing attention to detail. Hands‑on experience with account‑level data sources such as RDG, CDCI, and CLBP, with the ability to translate granular data into portfolio‑level insights. Strong cross‑functional collaborator and people partner—effective working with credit/risk/finance stakeholders, known for a positive, team‑oriented, and influence‑based style. Familiarity with cloud environments and modern data technologies to enable scalable analytics and reporting. Advanced Excel power user—expertise in building efficient models, automating workflows, and delivering polished outputs. Project management capabilities—able to scope work, align stakeholders, manage timelines, and deliver high‑quality results. Salary and Benefits Grade/Level: 10. The salary range for this position is 75,000.00 - 130,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Eligibility Requirements Must be 18 years or older. Must have a high school diploma or equivalent. Must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process. Must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. EEO Statement All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. #J-18808-Ljbffr