credit risk analyst

HugoBank

<div><p>Credit Modeling Analyst will develop, implement, and validate statistical and mathematical models to support credit risk assessment and decision-making across Consumer &amp; Program Lending portfolios.
<br>
<br>
Credit Modeling Analyst will support the Head of Credit Risk, Merchant &amp; Program Lending in building robust, data-driven models for credit scoring, risk measurement, and portfolio performance forecasting, ensuring model integrity through regular back-testing and validation.
<br>
<br>
<b>Core Responsibilities :</b>
</p><p>1. Develop and implement statistical and mathematical credit models.
</p><p>2. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
</p><p>3. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
</p><p>4. Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes.
</p><p>5. Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective data quality checks and cleansing procedures.
</p><p>6. Maintain model documentation including data dictionaries, variable definitions, and transformation logic. 7. Conduct regular model back-testing to assess model performance, stability, and predictive accuracy over time.</p><b><br>
Requirements</b><br>
<ul><li>
1-3 years experience in the credit modeling, risk modeling or similar role within a banking or financial services industry.
</li><li>Minimum masters degree preferably in statistics, mathematics, econometrics or any relevant major.</li><li>
Leadership skills.</li><li>
Good inter personal skills.</li></ul></div>

Credit Modeling Analyst

Crédit Agricole CIB

<div>
 <p>
  <strong>
   Team and position
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Credit Agricole is among world top 10 banking groups. Our NY based Leveraged Finance team is directly responsible for origination and execution of LBOs with leading Private Equity Funds in North America, as well as financings for leveraged (non-investment grade) corporates, across loans and HY bonds. In addition, the team is also in charge of event driven financings (M&amp;A and IPO related) for Investment Grade clients, and of leveraged / structured financing transactions in the TMT sector, including the current wave of infrastructure flavored deals (towercos, data centers, fibercos, GPU Financings) with Infrastructure Funds, across North America and Latam. It is referred to internally as the &ldquo;LATFG&rdquo; team (Leveraged, Acquisition &amp; TMT Finance).
 </p>
 <p>
  <br/>
 </p>
 <p>
  Building on its recent successes, the team is expanding to support its strong growth ambitions. In order to address the increasing volumes of credit and reporting management work generated by our expanding loan portfolio, we are setting up a portfolio management (PFM) team.
 </p>
 <p>
  We are opening a Portfolio Management analyst position. The analyst will report to the Director in charge of Portfolio Management, with regular interaction with the origination part of LATFG team.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  1) Credit monitoring of our loan portfolio:
 </p>
 <p>
  Contribute to the ongoing credit monitoring work for part of the leveraged finance and TMT loan portfolio (current volume of about 75 deals): write up of annual reviews, credit papers in relation to
 </p>
 <p>
  waivers and amendments, quarterly write ups for distressed loans. In close coordination with
 </p>
 <p>
  respective deal/client teams.
 </p>
 <ul>
  <li>
   Proactively flag to client teams any early warning signals of credit deterioration, concerns, or ideas for commercial opportunities
  </li>
  <li>
   Ensure timely propagation of internal risk rating decisions within the internal IT systems.
  </li>
  <li>
   Occasionally represent the team in the various credit committees (NY credit committee, CLF credit committee, CRC) and monitoring committees (Quarterly committees for underperforming loans or loans under watchlist &ldquo;SARs&rdquo; and &ldquo;SACs&rdquo;), underperforming or under watch loans
  </li>
  <li>
   Coordinate with CLF Loan Operations team to monitor evolution of the portfolio (increases or reductions via amortization, prepayments, secondary trades etc)
  </li>
  <li>
   Coordinate with CLF Loan Operations and respective deal/client teams to ensure authorizations recorded in internal systems are accurate and up to date.
  </li>
  <li>
   Maintain close coordination on all of the above tasks with respective LATFG client teams. Interact with clients whenever necessary to clarify credit related questions, in coordination with the LATFG client team.
  </li>
  <li>
   Review quarterly or annual information provided by client, connect to lender or investor calls organized by clients and relay summaries of meaningful information to LATFG team manager and respective LATFG client team.
  </li>
  <li>
   Depending on deal flow, there will also be occasional opportunities to get involved in live, new deals as part of the origination deal team.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  2) Contribute to Internal and Regulatory Reporting:
 </p>
 <ul>
  <li>
   Collect data and under PFM Director, assist with the regular requests for reporting from our
  </li>
 </ul>
 <p>
  internal stakeholders (HO business line, COO teams, RPC): monthly anomaly reports, monthly
 </p>
 <p>
  LevFin excel pipeline, quarterly portfolio review files, &ldquo;deals world&rdquo; database for LBOs, etc
 </p>
 <ul>
  <li>
   Contribute to recurring, ad hoc, and annual audits (NY annual and quarterly Compliance Loan Review, ad hoc NY portfolio reviews, Internal Audit &ldquo;Inspection Generale&rdquo;, add hoc CUSO reviews)
  </li>
  <li>
   Assist team manager and respective deal teams in ensuring that the CLF pipeline tool (&ldquo;Diamond&rdquo;) is up to date.
  </li>
  <li>
   Contribute to occasional ad hoc information requests when and as required
  </li>
  <li>
   Assist LATFG manager with periodic estimate of landing vs budget and other planning tasks
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Candidate background / experience
  </strong>
 </p>
 <ul>
  <li>
   Ideally 1-2 years experience in either a leveraged finance environment (portfolio management, credit analyst or origination and execution), or a credit risk / credit underwriting and monitoring function.
  </li>
  <li>
   Relevant academic background (BA/BS degree with economics/finance major coursework, ideally Master's degree &ndash; Msc Finance or MBA).
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills
  </strong>
 </p>
 <ul>
  <li>
   Strong quantitative and qualitative analytical skills
  </li>
  <li>
   Prior experience in financial analysis, cash flow modeling experience will be a plus
  </li>
  <li>
   Reliability, attention to detail and quality outputs,
  </li>
  <li>
   Good organizational skills: ability to keep track of deadlines, to organize its own work
  </li>
  <li>
   Good communication and interpersonal skills (ability to communicate seamlessly with various front office deal teams, and capacity to interact convincingly and forcefully with internal partners, in particular with risk &amp; senior representatives from business line or coverage)
  </li>
  <li>
   MS Office suite proficiency
  </li>
  <li>
   Fluency in a second language (in particular French, Portuguese, Spanish) is a plus.
  </li>
 </ul>
 <p>
 </p>
</div>


Leveraged, Acquisition & TMT Finance Americas – Portfolio Management - Analyst

QNB Group

<div>
 <strong>
  About QNB
  <br/>
  <br/>
 </strong>
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 <br/>
 <br/>
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 <br/>
 <br/>
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 <br/>
 <br/>
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 <br/>
 <br/>
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 <br/>
 <br/>
 <strong>
  Job Purpose Summary
  <br/>
  <br/>
 </strong>
 The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.
 <br/>
 <br/>
 Main Duties
 <br/>
 <br/>
 <ul>
  <li>
   Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.
  </li>
  <li>
   Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.
  </li>
  <li>
   Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis
  </li>
  <li>
   Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.
  </li>
  <li>
   Implements KPI&rsquo;s and best practices for role
  </li>
  <li>
   Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.
  </li>
  <li>
   Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.
   <br/>
   <br/>
  </li>
 </ul>
 Education/Skills
 <br/>
 <br/>
 <ul>
  <li>
   University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.
  </li>
  <li>
   Professional certification such as PRM, CPA, CFA is preferred.
  </li>
  <li>
   Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.
  </li>
  <li>
   Excellent oral and numerical and written communication skills in English and Arabic (preferred).
  </li>
  <li>
   Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.
  </li>
  <li>
   Excellent quantitative modelling, analytical, and research skills.
  </li>
  <li>
   Experience in working with large and complex data sets. Knowledge of financial markets and products.
  </li>
  <li>
   Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
  </li>
  <li>
   In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.
  </li>
  <li>
   Adequate knowledge of IT systems/ applications.
  </li>
  <li>
   Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.
   <br/>
   <br/>
  </li>
 </ul>
 Note: you will be required to attach the following:
 <br/>
 <br/>
 <ul>
  <li>
   Resume/CV
  </li>
  <li>
   Copy of your Passport
  </li>
  <li>
   Copy of Education Certificate
  </li>
 </ul>
</div>


QNB3641 - Senior Manager - Credit Risk (Omanization)

Malaa

<div><h3 class="jobSectionHeader"><b>Description</b></h3><div><b><br>
About CreditLine:</b></div><div>
CreditLine is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML). Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions. At CreditLine, we believe every borrower is unique. Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer&rsquo;s financial circumstances and risk profile. This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs. By combining advanced data science with a deep understanding of market gaps, CreditLine empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone.</div><div></div><div><b><br>
Job Summary:</b></div><div>
The Credit Risk Manager owns CreditLine&rsquo;s credit risk process and strategy for consumer financing and serves as the company&rsquo;s subject-matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing CreditLine on credit risk matters in front of investors, creditors, regulators, and other third parties. The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.</div><div></div><h3 class="jobSectionHeader"><b><br>
Roles and Responsibilities:</b></h3><br>
<ul>
<li>
 Own the end-to-end credit risk process and strategy for CreditLine&rsquo;s consumer financing business, and act as the company&rsquo;s subject-matter expert on retail credit risk.</li>
<li>Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.</li>
<li> Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.</li>
<li>Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision</li>
<li> Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team&rsquo;s technical capabilities.</li>
<li> Represent CreditLine on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company&rsquo;s credit risk posture.</li>
<li> Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early-warning indicators of credit deterioration.</li>
<li> Provide the credit risk department&rsquo;s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.</li>
<li> Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.</li>
<li>Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.</li>
<li> Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.</li>
<li> Ensure compliance with SAMA&rsquo;s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.</li>
<li> Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.</li>
<li> Support different teams with the existing counter fraud and AML efforts.</li></ul><br>
<h3 class="jobSectionHeader"><b>
Skills, Knowledge and Expertise</b></h3><br>
<ul>
<li>
Bachelor's degree in Finance, Economics, Business Administration, or a related field.</li>
<li> 7+ years of experience in credit risk management, consumer lending, fintech, banking, or financial services.</li>
<li> Strong analytical and problem-solving skills with the ability to interpret complex financial and behavioral data.</li></ul><br>
<h3 class="jobSectionHeader"><b>
About Malaa</b></h3><div>
Malaa is the leading wealth management tool in the Kingdom, addressing the gap in the financial products offerings and advancing cutting-edge technology adoption by offering data-driven financial products and services that empower individuals and organizations for better financial decisions. Established in November 2021, Malaa aims to be the go-to for financial decision-making, whether it&rsquo;s for saving, lending, or investing. Malaa is regulated by the Saudi Central Bank (SAMA) for Open Banking activities and the Capital Market Authority for Robo-advisory and asset management activities.</div><div></div><div><br>
Malaa is spearheading Open Banking in the Kingdom as the first Open Banking company to officially launch its services for its users and the first company to offer behavioral risk profiling for its lending partners, leveraging Open Banking data with exceptional engineering and data science capabilities.</div><div>
<br>
For more information, visit: www.malaa.tech</div></div>

Credit Risk Manager

SB Financial Group

<div><div><div><div><h1 class="jobSectionHeader"><b>About Us</b></h1><p>
Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.</p><h1 class="jobSectionHeader"><b>
Education</b></h1><p>
A high school diploma or equivalent required; a B.A. degree in related field of study preferred; specialized bank consumer lending education/training preferred.</p><h1 class="jobSectionHeader"><b>
Experience</b></h1><p>
A minimum of three (3) years of experience in accounting, lending, or related positions. Formal credit training program or certification preferred.</p><h1 class="jobSectionHeader"><b>
Preferred Skills</b></h1><div><ul><li>
Knowledge and experience working with a Retail Loan Origination System (LOS).</li><li>
Proficient reading, writing, grammar, and mathematics skills.</li><li>
Proficient interpersonal relations and communicative skills.</li><li>
Knowledge of current loan servicing procedures, lending laws, and regulations.</li><li>
Sound judgment and risk assessment.</li><li>
Moderate computer skills.</li></ul></div><h1 class="jobSectionHeader"><b>
Role and Responsibilities</b></h1><p>
Responsible for performing administrative and underwriting duties to support the consumer lending function; achieving goals as established in the bank&rsquo;s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the consumer loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.</p><p><b>
Essential Duties</b></p><p>
Performs administrative and underwriting duties to support the consumer lending function of which the following are illustrative:</p><div><ul><li>
Evaluates consumer loan requests<ul><li>
Auto Loans, Credit Cards, Home Equity, Personal Loans, and Recreational Vehicles</li><li>
Check for completeness and accuracy</li><li>
Verify personal, employment, and financial information with confirmation through use of pay stubs, tax returns, or bank statements and compare income against loan requirements and internal guidelines</li><li>
Ensure required documentation has been provided</li></ul></li><li>
Completes credit risk assessment<ul><li>
Evaluate credit reports and identify any risk indicators</li><li>
Assess debt-to-income (DTI) ratios and repayment capacity</li><li>
Review collateral valuations and general loan quality.</li></ul></li><li>
Apply lending policies and guidelines<ul><li>
Ensure loan decisions align with risk tolerance thresholds, product guidelines, and follow regulatory compliance</li></ul></li><li>
Approves or denies consumer loans based on consumer loan standards.</li><li>
Use automated underwriting systems<ul><li>
Work within LOS to review system-generated offers and override if needed.</li><li>
Input data and ensure accuracy for automated models</li><li>
Recommend process improvements, system enhancements, automation, and workflow changes to increase efficiency and accuracy.</li><li>
Participates in testing and validation of system upgrades or new features</li></ul></li></ul></div><div><ul><li>
Communicate with stakeholders<ul><li>
Collaborate with loan officers, processors, and customer service to provide guidance, resolve issues, and support positive client experiences.</li><li>
Provide exceptional customer service and support cross-functional projects as needed.</li><li>
Suggest strategic and innovative strategies to achieve goals from the annual operating plan.</li></ul></li><li>
Fraud detection and due diligence<ul><li>
Identify inconsistencies or suspicious activity</li><li>
Flag potential fraud cases (fake income, identity issues)</li><li>
Escalate high-risk applications</li></ul></li><li>
Portfolio and performance monitoring<ul><li>
Prepares and analyzes reports on portfolio performance, delinquency trends, and loan quality to identify areas of improvement.</li><li>
Provides input on credit policy development and training initiatives to ensure consistent application of standards across consumer lending.</li></ul></li><li>
Documentation and audit readiness<ul><li>
Maintain clear, compliant records of decisions</li><li>
Ensure files meet audit and regulatory standards</li><li>
Document rationale for approval/denial decisions</li></ul></li><li>
Performs additional duties and responsibilities as directed by the Director of Consumer Lending</li><li>
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.</li><li>
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.</li><li>
Responds to inquiries relating to his/her particular area, or to requests from customers, other personnel, etc., within give time frames and within established policy.</li></ul></div><h1 class="jobSectionHeader"><b>
Ancillary Duties</b></h1><div><ul><li>
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.</li><li>
Serve as backup to the Credit Department for tasks such as credit file maintenance, loan reviews, small business underwriting, risk rating updates, monitoring/tracking, and preparation of management reports.</li></ul></div><h1 class="jobSectionHeader"><b>
Physical Requirements</b></h1><div><ul><li>
Must be able to remain in a stationary position more than two-thirds of the time.</li><li>
The person in this position needs to occasionally move about inside the office to accomplish tasks.</li><li>
Frequently communicates with others to exchange information.</li><li>
Constantly moves wrists, hands, and/or fingers.</li><li>
Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.</li><li>
Sedentary work that primarily involves sitting/standing.</li></ul></div></div></div></div></div><p></p>

Consumer Loan Underwriter

Worldpay

<p></p><div><p><b>Job Description</b></p><p>
Job Posting Description</p><p>
Are you ready to unleash your full potential? We&rsquo;re looking for people who are passionate about payments to chart Worldpay&rsquo;s path to being the largest and most-loved payments company in the world.</p><p></p><p><b>
About The Team</b><br>
The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.<br>
<br>
<b>What You Will Be Doing</b><br>
The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant&rsquo;s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.</p><ul><li><p>
Obtains and reviews the financial statements of merchants</p></li><li><p>
Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</p></li><li><p>
Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</p></li><li><p>
Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</p></li><li><p>
Communicates effectively and professionally with internal and external clients</p></li><li><p>
Exercises sound judgment in assessing potential regulatory and reputational risks</p></li><li><p>
Monitors and communicates credit concerns to management</p></li><li><p>
Role is hybrid and requires 2-3 days in office</p></li></ul><p></p><p><b>
What you will bring:</b></p><ul><li><p>
Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</p></li><li><p>
Effective communication skills; attention to detail</p></li><li><p>
Strong judgment and decision-making skills</p></li><li><p>
Self-starter, able to work independently; possesses a strong sense of ownership</p></li><li><p>
Ability to creatively solve problems and achieve company objectives</p></li><li><p>
Time management skills with ability to multitask</p></li></ul><p></p><p><b>
Bonus if you have:</b></p><ul><li><p>
Knowledge of merchant acquiring services and the payment processing industry</p></li><li><p>
Degree in Finance, Accounting, or similar formal credit training</p></li></ul><p></p><p><b>
What We Offer You</b></p><ul><li><p>
A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.</p></li><li><p>
The opportunity to focus on a broad range of industries and financial topics.</p></li><li><p>
A work environment built on collaboration, flexibility and respect.</p></li><li><p>
A competitive salary and benefits designed to help support your lifestyle and well being</p></li></ul><p></p><p>
#LI-BJ1</p><br>
<p></p>
<p></p><p><b>EEOC Statement</b></p><p></p><p>
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.</p><p></p><p>
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</p></div>

Credit Analyst Senior - US Large Credit Risk / Merchant Underwriting

Intuit

<div><h2 class="jobSectionHeader"><b>Overview</b></h2><p>
One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That&rsquo;s how we power prosperity.<br>
<br>
QuickBooks Capital is a nimble and high-priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talent and team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply.<br>
<br>
 As a key leader of the Credit Risk Management team for Intuit&rsquo;s business credit card product, this individual will be responsible for developing, optimizing and managing strategies for credit card underwriting, risk-based pricing, portfolio management, debt collections and loss forecasting. They will provide a strategic vision for growing product adoption by leveraging test and learn agendas, life time valuations based decisioning and risk prediction models. They will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance.<br>
<br>
 They will lead a team of analysts to set analytical agendas by identifying business priorities, framing key risk questions, and translating them into clear analysis roadmaps for the team. They will identify business problems that require modeling solutions and collaborate heavily with the Data Science team in the development and deployment of risk and performance prediction models. They will be an active proponent of leveraging AI and automation in developing analytical insights, updating models and deploying strategy changes.<br>
<br>
This individual will effectively partner with multiple cross-functional teams to implement and monitor strategy changes across the card lifecycle. They will partner heavily with the marketing team to identify prospects from Intuit&rsquo;s vast customer base and drive customer acquisition efforts. This is a high visibility leadership role that presents an excellent opportunity to grow an analytical team through hiring, mentoring and developing talent.</p><p><b><br>
Responsibilities</b></p><p>
Develop, implement and manage credit risk management strategies across customer targeting, underwriting, portfolio management, collections and drive overall card profitability</p><p>
Leverage cashflow analyses and other business data of Intuit&rsquo;s Quick Books customers to enhance underwriting and overall risk management</p><p>
Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks</p><p>
Develop monitoring frameworks and reporting on key performance indicators</p><p>
Establish performance expectations and maintain accountability for variance with actuals</p><p>
Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability</p><p>
Partner with Product, Engineering, Compliance, Marketing, Operations, Capital Markets and other functions to implement and monitor credit strategy changes</p><p>
Proactively contribute innovative concepts for the creation of new financing products at Intuit</p><p><b><br>
Qualifications</b></p><p>
Minimum 8 years of experience in credit risk analytics and risk management, with some people management experience<br>
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Familiarity with risk scoring and modeling techniques including regression modeling, multivariate analyses and machine learning<br>
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Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources<br>
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Excellent analytical and problem-solving skills with a proven track record of converting analysis insights into business recommendations<br>
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Exceptional verbal and written communication skills to effectively communicate complex ideas and influence senior audiences in decision making<br>
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Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau</p><p>
MS/PhD in quantitative fields such as Statistics, Mathematic, Finance, Economics, Operations Research.</p><p><br>
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit&reg;: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:</p><p></p><p><br>
Mountain View $199,500 - $270,000</p><p>
New York City $187,000 - $253,000</p></div><p></p>

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