Senior Analyst, Credit Operations Modeling

• Plan and execute models in the production Reserves and Loss Forecasting process, focusing on CECL, recoveries, scenario management, and stress testing
• Maintain model data input monitoring, production controls, output analytics, results analysis, and documentation
• Support quarterly review and quarter-closing activities and contribute as a peer reviewer for process controls
• Visualize insights, performance, and trends in model inputs and outputs
• Analyze drivers and provide narrative support for assumptions, rationale, and projections to model owners and sponsors
• Respond to model validation, regulatory, and oversight requests, including exam findings and issues
• Follow model governance standards
• Support development of new models and enhancements to existing models
• Manage models through their lifecycle from development through production implementation
• Outline enhancements for evaluation and future releases
• Meet project timelines, perform ongoing analysis, identify performance thresholds, manage model version control, conduct performance assessments, and pursue process and model improvements
• Collaborate on model recalibrations and refits when business dynamics change
• Collaborate with Forecasting, Reserve and Stress Testing/Capital Management, Model Development, Data Governance, Finance, Collections, and Controllership teams
• Perform other duties and special projects as assigned

• Bachelor's degree with quantitative underpinning (e.g., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in Programming / Analytics ideally supporting Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience; in lieu of degree, 9+ years of experience in Risk, Credit, Finance, Accounting, or Consumer Lending
• 5+ years' experience demonstrating strong programming skills in SQL, Python, and Spark
• Proven hands-on experience utilizing SQL, Python, Spark, and Linux to perform statistical analysis, query relational databases, and manage large amounts of data
• Ability and flexibility to travel for business as required
• Experience in process improvement, project management, or change management
• Familiarity with Model Governance trends/developments across the banking sector, especially credit card or consumer lending and SR11-7
• Experience with Linux, HDFS, and AWS to collaborate and operate in a cloud computing environment
• Must be 18 years or older
• Must have a high school diploma or equivalent
• Must be willing to take a drug test, submit to a background investigation, and submit fingerprints as part of onboarding
• Must be able to satisfy Section 19 of the Federal Deposit Insurance Act
• Legal authorization to work in the U.S. required
• Employer will not sponsor employment visas for this job opening

Demonstrates expertise in Model Development, Statistical Analysis, and Risk Management, with strong programming skills in SQL, Python, and Spark. Proficient in Model Governance and familiar with banking sector trends, particularly in Credit and Consumer Lending.

• Model Development
• Statistical Analysis
• SQL Programming
• Python Programming
• Model Governance

• Statistical Analysis
• Model Development
• SQL Programming
• Python Programming
• Spark Programming
• Data Analysis
• Process Improvement
• Project Management
• Change Management
• Performance Assessment

• Collaboration
• Communication
• Analytical Thinking
• Problem Solving
• Flexibility

• Model Governance
• CECL
• Stress Testing
• Consumer Lending
• Credit Risk
• Regulatory Compliance
• SR11-7
• Data Governance
• Financial Analysis
• Risk Management

• Linux
• HDFS
• AWS
• Relational Databases
• Cloud Computing