Consumer Finance Analyst

Responsibilities
POSITION PURPOSE:
The Decision Science group is part of the Risk Strategies organization. It is responsible for the quantitative development and implementation of credit risk strategies across the customer lifecycle for all Retail Credit portfolios. This individual will focus on developing and optimizing analytically driven credit risk strategies for Retail portfolios, with a focus on Auto Finance. The individual will also identify and integrate new data, scores, tools and solutions to optimize. And also to undertake complex analytics to support key strategic initiatives for growth, innovation or risk mitigation.
SPECIFIC RESPONSIBILITIES:
Develop and optimize credit risk strategies, with a specialization on Auto Finance - using analytical techniques and statistical analysis to meet pre-defined goals
Build credit risk strategies for originations, account management and collections
Develop risk based pricing models and strategies to meet ROE targets
Integrate new data sources and solutions into credit risk strategies
Develop new quantitatively driven challenger strategies and pilot programs across the customer lifecycle
Develop and present analysis results and recommendations to senior leaders
Qualifications
REQUIRED EXPERIENCE AND SKILLS:
Minimum of a Master's degree in a quantitative discipline, PhD. is preferred
Highly proficient in Base SAS & Enterprise Miner
Preferred experience in credit risk modeling/analytics, credit risk portfolio management, or credit risk strategy development
Preferred experience working for a top 20 U.S. Retail Bank
Excellent communication, interpersonal and organization skills
Demonstrated analytical and problem solving skills
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