Senior Credit Risk Analyst

Responsible for major credit policy projects requiring advanced analytical, quantitative and computer skills. Develops and recommends credit risk policy positions as appropriate.

Conducts major research projects relating to customers of consumer business units, including project design, data collection, analysis, summary of findings, recommendations and presentation of results.

Monitors and evaluates performance of credit support systems utilizing external scoring, management software packages or programs to aid in managing account acquisition and portfolio management.

Conducts studies of customer groups and product types, and develops computer-based models for projections, e.g. delinquency and charge-off, cost and profitability, new account acquisition, credit limit setting, and account management.

Gathers and analyzes economic data to determine impact on business operations as appropriate.

Designs and writes mainframe and PC programs for statistical, analysis of portfolio performance; may include developmental and production mainframe programs.

Supervises trains and reviews the work of Credit Risk Analysts or special project teams, as necessary.

Evaluates and implements internal and external credit scoring using both traditional and other advanced technologies.

May manage projects to develop recommendations for credit policy, bulk acquisitions, new merchant program structures, profitability/pricing for accounts and portfolios, and provides revenue, cost, delinquency and loss forecasts.

May be responsible for ensuring that account acquisition or account management systems are operating efficiently. Codes, tests, may program and implements new policy changes for account acquisition or account management systems.

Performs other projects or special assignments as required.

Requirements :

Bachelor's degree in Mathematics, Statistics, Business, Finance, Economics or equivalent required. Master's degree in Business, Finance, Economics or related field preferred.

Two to four years prior credit risk experience with a good working knowledge of lending, collections and credit risk needed.

Must have analytical, computer, and statistical skills as well as ability to approach problems in a quantitative manner. Solid written and oral communication skills required. Computer programming skills must include 1-2 years use of statistical programs like SAS or SAP or advanced use of data base programs.