Credit Risk Analyst

Job Title: Credit Risk Consultant, Analytics & Strategy
Type: FTE
Location: New York, NY

Job Summary:
We are hiring a Senior Consultant to join our analytics and strategy team. The role focuses on identifying, assessing, and monitoring credit risk across lending portfolios. The candidate will collaborate with business units, risk management, and regulatory teams to develop and implement effective credit risk strategies and policies. Expertise in at least one domain—Credit Risk, Collections, or Recoveries—is required.

Key Responsibilities:

• Credit Risk Monitoring: Continuously monitor risk exposures, identify and escalate potential credit risk issues to senior management and the risk committee to ensure timely mitigation.
• Credit Risk Strategy Development: Develop, maintain, update, and implement credit risk policies, procedures, and guidelines to ensure alignment with regulatory requirements and industry best practices.
• Credit Risk Modelling: Develop, maintain, and validate credit risk models to estimate potential losses and predict credit risk. Collaborate with data scientists and analysts to integrate credit risk models with other risk frameworks.
• Stakeholder Management: Inform and advise senior management, business units, and stakeholders on credit risk matters, and provide training on credit risk management and policies.
• Data Analysis and Reporting: Analyze large datasets to identify credit risk trends and present findings to senior management using SQL, Python, and data-driven insights, providing clear and actionable recommendations.
• Credit Risk Assessment: Analyze and evaluate the creditworthiness of customers, counterparties, and transactions to identify potential credit risks. Conduct thorough credit reviews, including financial statement analysis, industry research, and market trends.
• Regulatory Compliance: Ensure compliance with credit risk regulations, such as Basel II/III, Dodd-Frank, and other applicable laws and regulations. Collaborate with regulatory teams to respond to regulatory inquiries and examinations.

Qualifications:

• Bachelor’s degree in Finance, Economics, Data Science, Engineering, or a related field; master’s degree preferred.
• Minimum of 4 years of experience in credit card analytics, with a focus on at least one of the following areas: Credit Risk, Collections, or Recoveries Analytics.
• Proficient in SQL and Python; experience with data visualization tools (e.g., Tableau, Power BI) is a plus.
• Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions.
• Strong communication and presentation abilities, capable of conveying technical information to non-technical stakeholders.
• Demonstrated ability to work collaboratively in a fast-paced, team-oriented environment

Job Type: Full-time

Pay: $88,067.40 - $130,059.66 per year

Work Location: In person