Senior Credit Risk Strategist
| Company | Credit Karma |
|---|---|
| Location | Charlotte, NC, USA |
| Salary | $Not Provided – $Not Provided |
| Type | Full-Time |
| Degrees | Bachelor’s, Master’s |
| Experience Level | Mid Level, Senior |
Requirements
- 3+ years of experience developing and implementing: credit policies, underwriting frameworks, customer segmentations, and customer valuation models
- Experience with consumer credit risk
- Degree (BS/MS) in Statistics, Math, Engineering, Finance or a related quantitative discipline
- Hands-on experience with Python (or R or SAS), and SQL, or similar industry standard tools used for large-scale data analysis and modeling
- Experience interfacing with teams at Financial institutions strongly preferred
Responsibilities
- Create and manage comprehensive credit policies that align with Credit Karma Money’s (CKM) and Intuit’s risk appetite and strategic objectives. Ensure policies are compliant with all relevant regulations and industry standards
- Conduct thorough risk assessments to identify potential credit risks and develop mitigation strategies. Utilize advanced data analytics, optimization, and modeling techniques to inform rule and policy decisions
- Oversee the credit portfolio, monitor performance, and implement strategies to optimize credit quality and profitability
- Define and develop metrics and reporting to track portfolio performance and identify emerging risks
- Collaborate with cross-functional teams, including product, data science, legal, and engineering to ensure credit policies are effectively integrated into CKM processes and infrastructure
- Monitor for regulatory changes and ensure all credit policies and practices adhere to current laws and regulations
- Iterate to continuously improve credit policies through the adoption of new techniques, technologies, data-driven insights, and industry best practices
- Lead the development, deployment, and maintenance of credit risk rules which make optimal use of ML models and data
- Partner with colleagues throughout the organization to identify high-impact opportunities to leverage and utilize models and data to best suit the business needs, including contributing to rules and strategies which balance revenue and risk
- Contribute to the evolution of our data and rules infrastructure to improve efficiency and effectiveness of decision science solution
Preferred Qualifications
- Self-motivated, results oriented, enthusiastic, and a creative thinker
- Bonus for experience building and implementing complex models in a financial risk / data science environment
- Experience using alternative consumer data in credit policies