The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible in US Consumer Cards ECM Risk Team.

Responsibilities:

• Develop Risk Segmentation, Underwriting, Line management, Account management strategies, PnL optimization

• Hands on experience of Credit Risk strategy development.

• Work closely with cross functional teams, including business stakeholders, MRM and governance teams, and model implementation teams. Implement initiatives to ensure consistency and compliance with global credit policies

• Observe key credit trends, threats, inaccuracies and drivers of those observations. Support Audit requirements from external/internal auditors & queries from Independent Risk

• Strong analytic, strategic and project management skills

• Create story boards, presentations and project plans for discussions with senior management – drive insights

• Utilize UNIX and Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and hypothesis testing

• Knowledge and experience of statistical procedures and financial analytic tools. (SQL, R, Python, Hadoop, Spark, SAS) and Machine Learning knowledge preferred

Qualifications:

• 5+ years of relevant experience

• Ability to apply credit and risk principles toward business goals

• Gen AI/ AI ML proficiency is a plus

• Data visualization, Tableau, Python skill are a plus

• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency

• Proven ability to remain organized in a fast-paced environment, managing multiple projects

• Proven interpersonal, organizational and analytic skills

Education:

• Advanced Degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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