Director, Credit Reporting and Analytics; Omaha, NE

Position: Director, Credit Reporting and Analytics (Omaha, NE)

Summary of the Job

The Director of Credit Reporting and Analytics is a leadership position that will help shape the credit team's data strategy, reporting framework, and analytical capabilities. The role will work extensively to help transform complex credit data into actionable business intelligence that drives informed risk decisions and supports various business lines of the Partnership team, including consumer and small business cards. In addition to core responsibilities, this role will lead strategic initiatives across several critical areas, including 1st party fraud and 3rd party fraud detection for Unsecured Credit Lines (UCL) and Point of Sale (POS) products.

The Director will also drive the development and refinement of the Open To Buy strategy to optimize credit line availability for customers. A key focus will be on leading an AI project aimed at enhancing predictive analytics and automation within the credit function. The role will also contribute 20% of its capacity to horizontal analytics efforts, providing cross‑functional insights that inform broader enterprise strategies.

About

This Role Major Responsibilities Fraud Management

• Lead efforts to detect and manage 1st party fraud at both the point of acquisition and during portfolio management

Establish High Risk Credit Management Manual Review Team & Process

• Establish a formal High Risk Credit Management Manual Review process to review risk accounts for 1st party Fraud reasons and close or give credit line decreases to these population
• Ensure High Risk Credit Management Manual Review process is established under the Compliance guidelines considering regulatory requirements allowing us to use appropriate adverse actions
• Create targeted ad hoc reports to identify suspicious accounts for review by the High Risk Credit Management Manual Review and HRG teams

Open To Buy Strategy

• Manage and continuously enhance payment float strategies (Open To Buy strategies) by integrating new data sources and optimizing system capabilities
• Optimizing the Open to Buy strategy rules while reducing the bounced payments and charge‑offs versus increasing customer experience through increasing lines available and float less payments for shorter time frames
• Bring new tools to complement EWS coverage to increase the coverage ratio for payments
• Focus on unauthorized payments and reduce the risk through closing and/or denying name mismatch DDA accounts

1st & 3rd party Fraud review for HIL and UCL

• Manage and enhance HIL and UCL strategies for 1st and 3rd party purposes
• Align the pre‑approval and post‑approval manual review population while considering the expectations from Business as well as considering the losses and funding speed of the loans
• Add new tools to capture fake documents for high exposure HIL loans which are prevalent in 1st party fraud
• Manage daily reviews of HIL and UCL, and the performance of the manual analysts. Complete feedback loop with the Business for collusive merchants and with HIL Risk team for the necessary underwriting strategies

Horizontal Analytics Support

• Support Horizontal Analytics function with his/her analytics based on the required research and enhancements requirements through dedicating 20% of his/her time
• Present enhancements in underwriting and portfolio strategies through analytics and make data‑driven recommendations to the Origination and Portfolio teams
• Leading the Enterprise Fraud function for the Fraud/Credit team with required inputs and analysis to make sure Fraud/Credit is well aligned with the Enterprise Fraud Team and tools

Data Stewardship & Infrastructure & Analytics Leadership

• Serve as Credit's primary liaison with the Enterprise Data Management (EDM) team
• Act as a data steward and subject matter expert for credit‑related data within the enterprise data warehouse and Galaxy ensuring data quality, accessibility, and usability
• Promote advance analytics such Machine learning models and Chaid analysis to be able to improve the strategies
• Oversee the model development/evaluation while working with EDM and external parties to make sure FNBO uses cutting edge tools while the accuracy and application of those statistical tools are…