Senior Credit Risk Specialist | Transaction Risk Management

About this role:

The Senior Credit Risk Specialist (P3) is an individual contributor on the Transaction Risk team responsible for the development, implementation, monitoring, and optimization of data-driven risk strategies that enable real-time transaction decisioning. This role leverages data, analytics, and quantitative techniques to help manage risk across millions of transactions each month while balancing customer experience, fraud prevention, and business objectives.

This role combines quantitative analysis, risk strategy execution, and technical problem-solving to improve decision quality and portfolio performance. The successful candidate will utilize large datasets, analytical tools, automation, and emerging AI/ML capabilities to identify risks, monitor strategy performance, and support business objectives.

The position offers an opportunity to contribute to the modernization of transaction risk capabilities through cloud transformation initiatives, enhanced analytics, and evolving decisioning technologies while supporting effective risk management across a growing portfolio.

Key Responsibilities Develop, implement, and optimize transaction risk strategies to improve decision quality, portfolio performance, and customer outcomes.

Analyze transaction, customer, and portfolio data to identify emerging risks, monitor strategy performance, conduct root-cause and risk analyses, evaluate new data sources and analytical approaches, and recommend improvements to enhance risk detection, decision quality, and portfolio performance.

Develop and maintain analytical solutions using SAS, SQL, Python, R, or other tools to support risk decisioning, monitoring, and operational efficiency.

Collaborate with business, technology, model governance, and control teams to implement and maintain risk strategies.

Document analysis, assumptions, methodologies, and results in accordance with governance and control  this role, you will:

Contribute to initiatives that support transaction risk strategy, decisioning performance, and customer outcomes.

Apply quantitative analysis and sound judgment to solve business problems and support risk-based decision making.

Support risk capability enhancements through analytics, automation, data innovation, and platform modernization efforts.

Communicate analytical findings and recommendations to managers and business stakeholders.

Partner with business teams, Model Governance, Audit, Legal, Compliance, and other stakeholders to support effective risk management and strategy execution.

Required Qualifications:

4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired

Qualifications:

3+ years of experience applying analytical techniques, statistical analysis, anomaly detection, modeling, and risk reporting in a financial services environment.
3+ years of experience using SQL, SAS, Python, R, or similar data management and analytics tools; familiarity with Git Hub, VS Code, GCP, or cloud-based analytical platforms is a plus.

Experience supporting the development, implementation, monitoring, or maintenance of risk strategies, predictive models, or analytical decisioning solutions.

Experience working with large and complex datasets and translating analytical findings into actionable business insights.

Familiarity with Model Risk Management (MRM), model governance, or comparable risk management frameworks.

Knowledge of transaction risk, fraud risk, customer decisioning, portfolio management, or risk optimization concepts.

Strong written and verbal communication skills with the ability to explain analytical concepts to both technical and non-technical audiences.

Experience…