Senior Credit Policy and Analysis Manager

Job Description: - Manages staff responsible for ensuring adherence to credit policy is incorporated in the design, development, implementation and validation of credit policy, risk and/or marketing systems in an effort to manage the risk of consumer receivable portfolios.



- Be familiar with the development and/or implementation of statistical models and alternative strategies for direct mail response/activation, account acquisition, credit limit settings, authorizations and collections.



- Based on review of portfolio performance, recommend changes and improvements to credit standards for one or more business units.



- Be familiar with credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative strategies and treatments for portfolio management and underwriting.



- Work with senior management in the development and monitoring of risk management systems and strategies, and develop formal presentations and written memoranda of results as required.



- Be familiar with the performance of consumer retail credit portfolios over the entire credit life-cycle of the product.



- Familiarity with the analytic and segmentation foundation behind complying with the BIS Basel II Accords is a plus.



- May work with Technology Services and external vendors to select, design and implement risk management systems, as appropriate.



- Manage credit risk management assignments and projects undertaken by independent external consulting organizations as required. Ensure effective, efficient and compliant results.



- May review and analyze existing business unit strategies and recommend alternative new strategies, as appropriate (i.e. credit line management, collections, authorizations, communications, card reissue, and dynamic re-pricing modules).



- May develop economic and portfolio forecasts and planning, as appropriate.



- Ensure compliance monitoring is in place, including processes for management of operational risk, in accordance with Company and regulatory standards. Be familiar with Regulation B and the ECOA. Experience interfacing with internal and external regulatory staffs is a plus.



- Complete other related duties as assigned and provide management direction to foster effective selection, development and reward of subordinates while contributing to initiatives in support of the Company’s Diversity programs.

Job Experience:
Five years proven credit policy and/or credit risk management experience, or equivalent. Knowledge and understanding of financial services preferred. Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience; Masters degree preferred.
Strong management, interpersonal, organizational, analytical, problem-solving, negotiation, project management and verbal and written communication skills. Proficiency with personal computers as well as pertinent mainframe systems and software packages.

Searchable Keywords: Senior Credit Policy and Analysis Manager / gj-mo

Minimum Education Required: Bachelor

Years of Experience Required: More than 5 years

Expected Travel Time: None