Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue) • Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits • Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers • Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives • Lead projects independently and perform ad hoc analysis as needed • Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/credit decisioning flow • Support Leadership in preparing reports and documentation for regulatory reviews and audit activities • Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process • Develop and enhance the reporting structure for assigned markets/products and channels. • BS or higher in a quantitative discipline (Statistics, mathematics, quantitative social science, operation management, finance, physics, ) or equivalent working experience • 8+ years of professional experience in credit risk analytics • Strong knowledge in Financial Services with emphasis on risk management/analytics of open-end products • Advanced experience in SQL, SnowFlake, or relational databases • Working knowledge in Python, SAS,R, or other analytical tools preferred • Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred • Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights • Strong business acumen with ability to translate analytical efforts to business results • Strong organization skills and the ability to communicate effectively, both verbally and in written • Exceptional problem-solving skills and ability to work effectively with minimal Comfortable working both independently and in a team environment.