Risk Analyst III – Analytics - Credit Line Increase

Risk Analyst III – Analytics - Credit Line Increase

Credit One Bank is seeking a Risk Analyst III to join the Credit Risk team. The Risk Management team leverages data, credit thinking, and analytics to improve decision quality, drive business impact, and shape strategy for a holistic view of our customers. The Analyst will directly support and oversee the Bank’s Credit Line Increase (CLI) and Convenience Check (CC) programs, applying strategic and analytical skills to major company challenges and objectives.

• Influence and drive business strategies that facilitate growth, profitability, and competitive success while managing losses and exposure.
• Execute delivery of business intent: build requirements, implement program strategy, and manage execution.
• Apply statistical techniques to deliver accretive strategies across targeting, universe expansion, cutoff analysis, product mix optimization, and score utilization.
• Use analytical techniques and models to develop risk strategies, segment customer populations, predict outcomes, and enhance program performance and efficiency.
• Make sound decisions and solve problems based on data‑driven analysis.
• Convert conceptual thinking into quantitative action.
• Collaborate with colleagues across multiple departments as an individual contributor.
• Communicate test recommendations and performance trends to key stakeholders.
• Draft and maintain formal process documentation, program strategies, procedures, and flowcharts/diagrams.
• Recommend strategy and implementation plans, and manage the technical rollout of pilot programs.
• Serve as an expert consultant to senior management on complex issues, presenting ideas to key stakeholders.
• Own CLI strategy and drive results independently with minimal management guidance.

• Bachelor’s degree in a technical field such as mathematics, computer science, finance, economics, or statistics.
• 4+ years of strategy development and analytical experience in a financial services environment.
• Advanced proficiency in at least one of the following:
  Python, R, SAS, SQL.

• Advanced degree in a technical field.
• 6+ years of strategy development and analytical experience in a financial services environment.
• Direct experience in credit limit management, acquisition strategy, or other credit risk fields.

Credit One Bank, N.A. is an equal opportunity employer committed to diversity and inclusion. We do not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment is at-will. Contact the recruiter for this position to learn more.

Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.