What are the responsibilities and job description for the RISK-DALLAS-ASSOCIATE-CREDIT RISK position at Goldman Sachs?
MORE ABOUT THIS JOB :
Job Description
We are seeking an associate level candidate to join the Credit Risk division team. The role will focus on data analytics, data insight generation, trend identification and data visualization to help understand credit risk drivers for unsecured consumer and small business lending assets such as line of credit, term loans, personal loans and credit cards.
RESPONSIBILITIES AND QUALIFICATIONS :
Typical responsibilities and duties include the following :
- Support credit risk management senior leadership in partnering with business units and broader Credit department to assess data availability, data sufficiency, and reporting needs
- Design and write data queries to extract credit data from credit systems and conduct analysis of portfolio performance, deep dive analysis of trends, summarize findings and recommend changes
- Ability to identify existing and emerging drivers of risk in a portfolio to drive guardrail design and proactive management of the portfolio.
- Create guardrails / thresholds across various dimensions
- Provide support for portfolio credit risk oversight and governance by tracking the actual performance of risk appetite and credit risk management metrics against approved guardrails
- Create Management reporting using Tableau or other cutting-edge visual interface-based tools to monitor portfolio performance at portfolio segment level (e.g., product, vintage, risk segment, score band, or marketing channel)
- Develop analytical reports and presentations for senior management, executive committees and regulatory exams.
- Be up to date on applicable regulations and compliance requirements in consumer lending and provide support to Senior Leadership during interactions and updates to internal and external regulators
- Adhere strictly to compliance and operational risk controls in accordance with company and regulatory standards, policies and practices
- Address internal audit requirements and findings in a timely and appropriate manner
MINIMUM EDUCATION REQUIREMENTS / DEGREE AND FIELD :
Strong Quantitative / analytical skill with Masters degree (U.S. or equivalent) in a quantitative discipline such as Mathematics, Statistics, Engineering, Data Science / Analytics or a related field like Information Systems, Business Analytics.
MINIMUM YEARS EXPERIENCE REQUIRED :
3 years of experience in related industry
Prior work and academic experience must include :
ABOUT GOLDMAN SACHS :
ABOUT GOLDMAN SACHS
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