Credit Risk Analytics Manager-Consumer cards

Role: Credit Risk Analytics Manager-Consumer cards

Location: New York City, NY/Jersey City, New Jersey/ Wilmington Delaware (Hybrid 3 days onsite in a week)

Full Time

About the Role

Client's Credit Risk Practice works with leading banks, fintechs, and financial institutions to design and implement advanced risk management strategies. We are seeking a Credit Risk Strategy Manager to drive the development, execution, and monitoring of credit strategies across the lending lifecycle and manage the client in terms of existing relationship & new business opportunities. This role requires deep analytical expertise, strong business acumen, and the ability to translate data-driven insights into effective risk strategies that balance growth and profitability within client risk appetite. Additionally, it requires strong consultative and relationship-building skills with ability to influence senior stakeholders.

Key Responsibilities

· Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).

· Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.

· Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.

· Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.

· Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.

· Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.

· Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.

· Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.

· Build and nurture long-term client relationships by understanding business needs and positioning Client's credit risk solutions effectively.

· Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.

· Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.

Qualifications

· Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.

· 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.

· Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies.

· Proficiency in SAS, SQL, Python (Tableau is a plus).

· Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.

· Ability to synthesize complex analysis into clear recommendations for senior management.

· Strong communication, presentation, and stakeholder collaboration skills.

· Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.

· Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.

· Proven experience in managing client accounts with a track record of delivering measurable impact.

· Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.