LOCATIONS: Chicago, IL Kettering, OH Stamford, CT Alpharetta, GA DEPARTMENT: Risk Management ROLE SUMMARY/PURPOSE:

Support enterprise-wide Risk Acquisitions strategy development efforts addressing both credit and fraud risks. Provide analytical insights, support and recommendations for acquisitions credit and fraud strategies, initiatives and projects. Work directly with business and portfolio leadership to establish strategic direction for each client. Work cross functionally to ensure risk strategies are performing as expected.

ESSENTIAL RESPONSIBILITIES:

• Using statistical software packages, develop portfolio, product and client level credit rules for approve/decline and initial credit line assignment that minimize both our and the retailers' risk, while continuing to grow the portfolio
• Make recommendations for tactical and strategic action plans for execution within Credit and other functional areas as needed by collecting and analyzing data from various sources to identify portfolio risks and opportunities
• Initiate and lead acquisitions credit and fraud strategy initiatives as well as enhancement projects using latest development techniques and test/control frameworks
• Work closely with Risk leaders and client teams to ensure strategies support both business and client objectives
• Perform pre-implementation testing of strategies and model validations
• Facilitate and install credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative credit strategies
• Work cross-functionally to drive profitable growth and client satisfaction
• Drive enhanced strategies, using champion/challenger learnings to manage credit and fraud exposure while driving growth
• Provide Acquisitions Risk Strategy development support for new products, channels and other enterprise-wide projects
• Work with portfolio teams to ensure consistency in business plans
• Leverage and incorporate breadth of portfolio acquisitions risk management experience into value-added best practices
• Perform other duties and/or special projects as assigned

QUALIFICATIONS/REQUIREMENTS:

• Bachelor's degree, preferred major in a quantitative field, such as math, statistics, economics, data science, engineering or computational finance.  In lieu of a degree, 7+ years' experience in strategic risk management or data analytics
• 3+ years of experience in a credit risk strategy development role or in data analytics
• 2+ years of programming experience (proficient level) in SAS, Python or other language for data analysis

DESIRED CHARACTERISTICS:

• Experience operating at a strategic level as part of a cross functional team
• Master's Degree or MBA with advanced analytic focus or equivalent advanced degree is a plus
• Proficient in using statistical methods to perform analytics such as decision tree development and design and analysis of champion/challenger tests.
• Ability to extract, merge and perform data munging on large data files.
• Ability to understand business concepts of credit and fraud risk and how they drive acquisition strategy development
• Strong communication and presentation skills
• Familiarity with consumer and commercial lending products and practices
• Experience with statistical tools such as Model Builder Decision Tree, Knowledge Seeker, others.

Legal authorization to work in the U.S. is required.  We will not sponsor individuals for employment visas, now or in the future, for this job opening. 

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