Regional Management

Job Purpose

The Manager, Credit Risk is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This position utilizes advanced skills to analyze data, portfolio-level performance trends, custom scorecard analysis, and forecasting to support credit risk functions.

Duties and Responsibilities

• Mines, models, and analyzes large datasets using predictive modeling techniques such as linear/logistic regression, factor analysis, decision trees, clustering, and segmentation to optimize credit risk and marketing campaign performance.
• Conducts quantitative analysis of custom score models, including validation, ongoing performance monitoring, and documentation.
• Develops and supports complex models, analyses, and reporting related to customer approval, pricing, and profitability.
• Forecasts performance of marketing campaigns and tracks actual campaign performance versus the forecast.
• Conducts ad hoc research projects that involve project design, data collection and analysis, summarization of findings, and presentation of results.
• Handles data while utilizing interpretive and problem-solving skills to process large volumes of transaction-level data and derive actionable results efficiently.
• Interacts with stakeholders to understand business questions, crafts the methodology, mines/analyzes datasets using SAS, and delivers final insights and recommendations.

Minimum Qualifications

• Master’s degree in Statistics, Data Analytics, Economics, Mathematics, or a related field.
• 5+ years of experience in consumer finance, risk analytics, or a related field.
• Experience in data mining, modeling, and analyzing analytic findings using SAS.
• Advanced programming skills in SAS and SQL.
• Proficient in Microsoft Office Suite, especially Excel, Access, and Outlook.
• Must pass drug screen, criminal, and credit background checks.

Preferred Qualifications

• Experience in financial services with consumer credit data utilizing SAS.
• Experience analyzing marketing data in a financial environment.
• Experience developing risk models for a financial institution.

Critical Competencies

• Excellent oral and written communication skills, especially the ability to explain complex analyses in simple terms.
• Excellent organizational skills with the ability to prioritize and handle multiple tasks simultaneously.
• Uses analysis, judgment, and logic to solve problems and make decisions.
• Demonstrates ability to apply complex financial and statistical principles.
• Effective written and verbal presentation skills; able to communicate well with senior and executive management.
• Innovative problem-solving, quantitative, and analytical abilities.
• Detail-oriented and able to work with minimal supervision.
• Flexible, proactive working style, adaptable to a team environment.

EEO Statement

Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional’s policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.

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