Credit Risk Analyst

Principal Duties and Responsibilities

• Consumer lending Portfolio Management – developing, & implementing Collection Strategy, Pricing Analytics for retail point of sale business
• Data management skills - ability to write/ analyze complex and efficient queries in SQL, in depth knowledge of python/R/SAS (data science) to pull and analyze data
• Utilize advanced statistical techniques (CHAID, cluster analysis, regression, etc.) & software such as Python, SQL to develop credit segmentation, predictive models and/or strategies to support business decisions
• Adept in interacting and collaborating with business partners like Operations, Servicing team to drive the goal lower losses
• Use Quantitative analysis to evaluate customer lifetime value, pricing sensitivity, ROI/IRR, unit profitability.
• Analyzing complex & unstructured data and building statistical model & scorecard, both machine learning and logistic model to be used in credit underwriting, collection, portfolio analytics, etc.
• In depth knowledge of Credit P&L; build robust roll rate, vintage & portfolio loss forecast model
• Good understanding of Collection Operations like capacity planning, best time to call, and managing collection vendors and collectors
• Experience in Loan Servicing platform/software (Nortridge Loan System) and dialer system (Genesys Cloud)
• Skillful in Power BI Reporting, producing & understanding metrics like roll rate, cure rate, right-party-contact, promise-to-pay, delinquency bucket/aging, etc...

• Preferred Bachelor’s/master’s degree in related field (Finance, Accounting, Math, Engineering or Business Degree)
• consumer credit/retail portfolio and collection management, data analyst, and modeling experience
• experience in account servicing, collection, policies to manage portfolio
• experience in data modeling/decision science
• In depth knowledge of building, and implementing machine learning, and logistic models scorecard
• Experience extracting and manipulating data using multiple database technologies such as Microsoft SQL Server, SAS, etc.
• Proficiency with statistical software such as Python, SAS, R, SPSS, STATA, etc.
• Pricing and Collection strategies - Significant experience in building A/B Testing, Pricing and digital initiatives, deploying in production for business
• Proven experience of completing projects demanding timelines and high visibility
• Adept in producing Reports & MIS suiting the needs of Business, Partners, Investors, Executives
• Extraordinary presentation and communication skills
• Experience in financial services, credit risk management, banking regulations like FDCPA, SCRA, FCRA, TILA, etc

• Motivation Skills - History of achieving aggressive goals and objectives, conveying sense of urgency while moving beyond challenges and obstacles
• Thinking and Administrative Skills - Solid analytical and problem-solving skills. Ability to analyze trends and suggest solutions to challenges. Brings new ways to looking at tough challenges
• Achieve Successful Results – Takes the initiative to get things done. Producing insightful Reports/MIS for the Business leading to analytical projects
• Demonstrates Adaptability – Works effectively in the faces of stress, ambiguity, difficult situations and shifting priorities. Adept in working and understanding through the data in absence of structured information
• Innovates – Challenges the status quo thinking to generate new ideas; takes open minded approach to situations
• Communication Skills - Refined written and verbal communication skills. Ability to foster open communications, listen effectively and adjust communication content and style to meet the needs of diverse stakeholders
• Technological Competence – Knowledge of Python, SQL, SAS, Tableau, and R as well as their corresponding predictive techniques to improve the organization’s decision-making criteria