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Tier-1 brand, metro location, and early-career generalist credit role drives high applicant density.
Requires deep credit and consumer-cards risk expertise, limiting cross-industry transferability.
Explicit 1-3 years plus mandatory SAS/SQL and credit domain expertise enforces strict screening.
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Manage credit portfolio exposure globally by conducting credit reviews, approvals, and portfolio monitoring to identify credit migration.
Develop and implement risk management strategies using statistical and analytical techniques to balance portfolio risk and reward.
Lead risk analytics projects, evaluate policy effectiveness, and communicate key initiatives to senior risk management.
1-3 years of relevant experience in credit risk analytics, strategy development, or scoring models.
Bachelor's degree in Mathematics, Statistics, Economics, or equivalent experience.
Proficiency in advanced SAS programming, SQL, and SAS Knowledge Studio; experience with decision tree techniques (CHAID/CART).
Experience with credit lifecycle, segmentation development, and portfolio credit risk management.
Experienced in handling credit risk strategies across the lifecycle (authorizations, underwriting, customer management, collections).
Able to manage complex analytics projects and communicate findings effectively to technical and non-technical audiences, including senior management.
Comfortable working in a matrix environment balancing business and functional priorities with strong influencing and facilitation skills.