Credit Management Lead

Job Summary

The Lead Credit Management Analyst is integral to our Credit Management function, facilitating profitable growth by managing credit availability and adhering to risk appetite tolerance levels. This role requires independent analysis, strategy development for significant clients, and mentorship of other risk analysts.

• Conduct comprehensive trend analysis to identify patterns and shifts in market behavior. This involves closely monitoring portfolio performance, identifying areas for improvement, and implementing data-driven solutions. Ensure portfolios remain robust and profitable, adapting to changing market conditions and customer needs. (40%)
• Develop and refine underwriting standards to ensure they align with the company’s risk appetite and regulatory requirements. Create credit limit strategies that balance risk and reward. Utilizing advanced data tools, analyze key risk metrics to identify potential issues and opportunities. Your insights will drive decision-making processes, helping to maintain a healthy credit portfolio. (30%)
• Lead projects that address specific business needs is a crucial part of this role. Coordinate cross-functional teams, set project goals, and ensure timely delivery of results. This involves problem-solving, resource management, and effective communication to keep all stakeholders aligned. Your projects will improve business processes, enhance efficiency, and support strategic objectives. (10%)
• As a mentor to junior analysts, you will share your expertise and best practices to help them grow professionally. This includes providing guidance on complex analyses, offering feedback on their work, and fostering a collaborative team environment. Your leadership will contribute to building a strong, knowledgeable team capable of tackling challenging tasks and driving the company’s success. (10%)
• You will work closely with various business units to understand their needs and provide tailored solutions. Effective communication is essential, as you will present your findings and recommendations to senior management and other stakeholders. Your ability to convey complex information clearly and persuasively will be critical in driving strategic initiatives forward. (10%)

• Bachelor’s Degree in Finance, Business, Economics, Mathematics, Statistics or quantitative field or related
• 8+ years analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience

• Master’s Degree in Finance, Business, Economics, or quantitative field or related
• 9+ years SAS/SQL, Python, R proficiency, credit card or other consumer lending experience.

• Ad Hoc Reporting
• Ad Hoc Research
• Consumer Lending
• Credit Risk Management
• Credit Underwriting
• Data Analysis
• Data Visualization Tools
• Decision Trees

Associate Manager and above

0

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a Bread Financial location.

• Ability to travel up to 5% annually

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

$97,900.00 - $

California: $ - $ Colorado: $97,900.00 - $ New York: $ - $ Washington: $ - $ Maryland: $ - $ Washington DC: $ - $ Illinois: $97,900.00 - $ New Jersey: $ - $ Vermont: $97,900.00 - $ Ohio: $97,900.00 - $

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date…