Lead Decision Science Consultant, Credit Card

• Support strategy optimization through the advanced segmentation strategies and granular financial cash flow valuations that deploy state-of-the-art programming and statistical methodologies.
• Lead complex initiatives related to business analysis and valuation modeling, including those that are cross functional, with broad impact, and act as key participant in assumption and data aggregation, developing & monitoring strategy specific models, and reporting on financial returns
• Review and analyze complex programing models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported
• Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product line
• Make decisions in complex product strategies, data modeling, and risk exposure, requiring solid understanding of business unit projects and regulatory responses, policies, procedures, and compliance requirements that influence and lead Analytic and Reporting to meet deliverables and drive new initiatives
• Collaborate and consult with peers, less experienced to more experienced managers, to resolve production, project, and regulatory issues, and achieve risk analysts, and common modeling goals
• Lead projects, teams, and mentor

• 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Experience supporting credit card acquisition, underwriting, and/or line assignment strategies through analytics, modeling, and forecasting
• Strong understanding of credit card portfolio economics, including revenue, expense, loss, profitability, and net present value (NPV) drivers
• Experience developing, enhancing, or applying valuation frameworks, cash flow models, P&L analyses, or profitability models to evaluate business strategies and portfolio performance
• Advanced programming experience using Python and SAS for statistical analysis, forecasting, modeling, and strategy evaluation
• Consumer lending cash flow valuation modeling experience
• Experience analyzing large datasets and translating complex analytical findings into actionable business insights and recommendations
• Strong communication and presentation skills, including the ability to communicate analytical findings, business implications, and recommendations to senior leadership
• Experience leading complex analytical initiatives from analysis through implementation, monitoring, and performance evaluation
• Graduate degree in Mathematics, Statistics, Finance, Economics, Data Science, Computer Science, or a related quantitative discipline

Demonstrates expertise in Risk Analytics, with a strong focus on credit card portfolio economics and advanced programming skills in Python and SAS for statistical analysis and modeling. Capable of leading complex analytical initiatives and translating findings into actionable business insights.