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Credit One Bank is seeking a Risk Analyst III to join the Credit Risk team. The Risk Management team is responsible for leveraging data, credit thinking, and analytics to improve the quality of decisions made, drive tangible business impact, and set the strategy in our journey to holistically know our customers. The Risk Analyst III will be directly responsible for supporting and overseeing the Bank’s Credit Line Increase (CLI) and Convenience Check (CC) programs for customers. This role will also apply strategic and analytical skills to major company challenges and objectives; team with world-class professionals to develop and test strategies that ultimately impact the bottom line; will do it all in a collaborative environment that values one's insight; and will take on new responsibilities, promote continuous learning, and reward innovation.
Summary of Essential Job Functions
Ability to influence and drive business strategies that facilitate growth, profitability, and competitive success while managing losses and exposure
For assigned programs, execute the delivery of business intent to build business requirements, and execute against program strategy
Experienced in applying statistical techniques to deliver accretive strategies across targeting, universe expansion, cutoff analysis, product mix optimization, and score utilization
Use analytical techniques and models to develop risk strategies, segment customer populations, perform risk-based prediction of customer or operational outcomes and increase program performance and efficiency
Sound decision making and problem solving based on data driven analysis
Conceptual thinking skills must be complemented by a strong quantitative orientation
Work closely with colleagues, as an individual contributor across multiple departments
Communicate test recommendations and performance trends with key stakeholders
Draft and maintain formal process documentation (e.g. program strategy and procedures) and flowcharts/diagrams to visualize program workflows
Make strategy and implementation recommendations based on well-constructed analytics and manage the technical rollout of such pilot programs
Serve as an expert consultant to senior management on highly complex issues and present ideas to key stakeholders.
Act in an ownership role of CLI strategy, and drive business results independently with minimal guidance from management
Position Requirements
Bachelor’s degree in technical fields such as mathematics, computer science, finance, economics, statistics, or related fields
4+ years of strategy development and analytical experience in a financial services environment
Advanced capability with at least one of the following: Python, R, SAS, SQL
Preferred Experience and Skills
Advanced degree in a technical field such as mathematics, computer science, finance, economics, statistics, or related field
6+ years of strategy development and analytical experience in a financial services environment
Direct experience in credit limit management, acquisitions strategy, or other credit risk field
Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.
