Overview:

Leverage analytical tools to perform routine data collection, analysis and reporting of credit risk KPI’s (i.e., delinquencies, vintage losses rates, application conversion) to monitor and communicate trends of company's loan portfolios.

Responsibilities:

• Mine, model, analyze large datasets, and utilizes predictive modeling techniques with an emphasis on optimizing credit risk and analyzing customer behavior using the following predictive modeling techniques: linear/logistic regression, factor analysis, decision trees, clustering, segmentation, etc
• Build and validate a variety of statistical models, provides analytic support, and develops new criteria and/or strategies
• Perform product or other segment level analytics to analyze performance of existing products and assist with roll-out of new product policy and pricing strategies for various product offerings
• Implement credit models, rules, scorecards, and strategies into the company’s Decision Engine software that houses the Credit Policy. Work with internal IT resources to test and deploy new implementations
• Collaborate with other departments across the organization to drive improvement in quality, volume, service, and profitability
• Identify process improvement opportunities and involve in developing/executing projects

Education:

Bachelors degree in a quantitative subject. (Mathematics, Statistics, Economics preferred)

Technical skills / abilities:

• Strong technical aptitude
• Familiarity with ETL processes
• Proficiency in SQL, SAS, and R
• Experience with predictive modeling techniques including linear/logistic regression, factor analysis, decision trees, clustering, and segmentation

Analytical Skills:

• Ability to mine, model, and analyze large datasets.
• Proficiency in building and validating a variety of statistical models.
• Experience in performing product or segment level analytics to analyze performance of existing products and assist with roll-out of new product policy and pricing strategies.

Implementation Skills:

• Ability to implement credit models, rules, scorecards, and strategies into Decision Engine software.
• Experience working with internal IT resources to test and deploy new implementations.

Collaboration and Communication Skills:

• Understanding of business needs and requirements.
• Ability to effectively communicate with both internal departments and external vendors/clients.
• Ability to collaborate with other departments to drive improvement in quality, volume, service, and profitability.

Project Management and Process Improvement:

• Ability to self-motivate and manage multiple analytical projects simultaneously.
• Identify process improvement opportunities and develop/execute related projects.