Credit Risk Analytics Resume Samples

The Guide To Resume Tailoring

Guide the recruiter to the conclusion that you are the best candidate for the credit risk analytics job. It’s actually very simple. Tailor your resume by picking relevant responsibilities from the examples below and then add your accomplishments. This way, you can position yourself in the best way to get hired.

Craft your perfect resume by picking job responsibilities written by professional recruiters

Pick from the thousands of curated job responsibilities used by the leading companies

Tailor your resume & cover letter with wording that best fits for each job you apply

Resume Builder

Create a Resume in Minutes with Professional Resume Templates

CHOOSE THE BEST TEMPLATE - Choose from 15 Leading Templates. No need to think about design details.

USE PRE-WRITTEN BULLET POINTS - Select from thousands of pre-written bullet points.

SAVE YOUR DOCUMENTS IN PDF FILES - Instantly download in PDF format or share a custom link.

Create a Resume in Minutes

J Erdman

Jerome

Erdman

750 Herman Light

Detroit

+1 (555) 785 2570

750 Herman Light

Detroit

Phone

p +1 (555) 785 2570

Experience Experience

Dallas, TX

Credit Risk Analytics

Dallas, TX

Shanahan, Marvin and Windler

Dallas, TX

Credit Risk Analytics

Masters Level or higher qualification in quantitative finance (e.g. MSc Finance)
Strong derivatives product knowledge
Proactive and positive approach
The role will also be responsible for providing analytics support across credit risk lifecycle initiatives: originations, line management, portfolio/customer risk management, capital risk management, and collections & recovery
This includes leading and/or overseeing credit scoring/risk rating model development and BB transformation projects in support of key risk strategies
Performing granular analysis with attention to details overcoming small data sample challenges is important to the success of this position
The analyst will lead and work as part of cross-functional teams (product, credit operations and finance) across the Bank and deliver quality results working in multiple projects and assignments at the same time

Los Angeles, CA

SVP, Credit Risk Analytics & Modeling

Los Angeles, CA

Marvin, Raynor and Hartmann

Los Angeles, CA

SVP, Credit Risk Analytics & Modeling

Develop models and oversee model development, validation, and deployment efforts
Work with large datasets and complex algorithms to solve data science challenges
Ensure the compliance of development and validation of models with respect to internal and external guidelines
Support the development of training curriculum and standards
Partner with Risk and Decision Management organizations to understand the source of new data and continue to improve the process of defining, extracting and utilizing the new data
Provide leadership and guidance for junior modelers
3+ years managing staff (direct or indirect)

present

Phoenix, AZ

VP-wholesale Credit Risk Analytics

Phoenix, AZ

Nolan-Anderson

present

Phoenix, AZ

VP-wholesale Credit Risk Analytics

present

Project manage assignments from rating development to system implementation
Thorough knowledge of financial theory, economic capital modeling and decision support and performance measurement models and methodologies
Position manages, on a project basis, a number of domestic and off-shore analytic resources in formulating recommendations
Acts as manager for Wholesale CRAOC and other committees as assigned
Off Balance Sheet Credit Exposure US$ X tn
On Balance Credit Exposure US$ XXX bn
Extensive knowledge of the Basel Capital Accord and US regulatory guidelines

Education Education

Bachelor’s Degree in Statistics

Georgetown University

Bachelor’s Degree in Statistics

Skills Skills

Develop both risk and financial models to further enhance the Portfolio Risk Ratings and improve International Banking assessment of risk appetite
Analyze country and product P&L to optimize asset allocation based on risk appetite, while providing insightful recommendation to senior executives on portfolios outlook
Collaborate with cross-functional teams in Canada and Latin America to define best-practices on financial reporting and integration of financial and risk metrics
Evolve the management reporting process for Executives and the Board, to promote consistency and efficiency, while allowing flexibility in providing timely and relevant analytics based on current performance and/or specific strategies for each market
Solicit feedback to ensure reports are not only providing information, but also insight that is valued by our business partners and/or executives
Support the Global Reporting and Analytics department in preparing both on-going and ad hoc reporting requests
Leads and contributes to team projects and continuous improvement initiatives

Create a Resume in Minutes

11 Credit Risk Analytics resume templates

Read our complete resume writing guides

Manager, Credit Risk Analytics Resume Examples & Samples

Providing leadership in credit risk strategies and performance with proposed action
Lead and develop a team of 2-4 quantitative analysts
Delivering innovative quantitative analytics and statistical modeling solutions that drive enhanced credit risk strategies
Implementing step change improvements in reporting and MIS capabilities
Partnering with enterprise risk colleagues to enhance loss forecasting, reserving, and economic capital processes and output
Advanced degree in statistics, mathematics, economics or other quantitative field
8+ years quantitative analysis experience in the financial services industry
Analytical problem-solving and statistical modeling skills
Prior people management experience

Senior Credit Risk Analytics Analyst Resume Examples & Samples

Minimum of five years proven and progressive credit and financial services experience or equivalent, including experience in advanced credit risk management, credit risk modeling and economic credit risk capital or equivalent
Minimum of a masters degree in statistics, business, related field or equivalent experience
Solid understanding of commercial and retail credit processes, including credit risk assessment and systems, as well as econometrics, statistics and simulations
Thorough knowledge of complex financial risk modeling and analysis, including credit risk and economic capital
Strong understanding of credit products

Credit Risk Analytics Resume Examples & Samples

Masters Level or higher qualification in quantitative finance (e.g. MSc Finance)
Knowledge of risk models (credit or market risk) preferable
Very good organisational and communication skills
Proactive and positive approach

Manager of Credit Risk & Analytics Resume Examples & Samples

At the minimum must have a Bachelor’s Degree preferred within a quantitative discipline
Must have 3-6 years of experience pulling data and analyzing customer data utilizing SQL, R, Python, or SAS is a MUST
Experience developing statistical predictive / propensity models using R, Python, SAS is a MUST
Must have 3-6 years of extensive hands-on experience working on analytical studies from: crafting the methodology, to data mining utilizing SQL, R, Python, or SAS, and ultimately delivering final insightful recommendations to move the business forward
Prior experience within Financial Services in particular Credit / Risk Management is a MUST!
Experience with test design and preparing testing scenarios on marketing campaigns using R or SAS is a PLUS
Will transfer existing H1 Visa and potentially some Relocation assistance may be available. Recruiter: Sunil Sud

Senior Manager Credit Risk Analytics Resume Examples & Samples

Provide frequent communication of portfolio trends and insights to credit life cycle and regional management teams
Review the divisions loan portfolios at each phase of the credit life cycle (acquisition to collection) and ensure alignment to risk appetite / plan
Identify areas of opportunity to consolidate and streamline reporting activities and infrastructure
Strong analytical and credit risk or financial analysis background, including the ability to apply standard statistical techniques using SAS to extract and analyze data
At minimum four years’ experience in the Financial Services industry with particular experience in various analytical techniques for loan account origination and portfolio performance measurement and evaluation
Ability to innovatively and prudently manage portfolio risks through the development of controls systems that maximize profitability with an appropriate balance between growth and credit risk
Advanced level of experience with SAS and an ability to manage and organize information from a diverse range of data environments in order to interpret for management presentation purposes
Advanced level of experience with Excel
People management capabilities

Manager Credit Risk Analytics Resume Examples & Samples

Provide recommendations and support for strategic initiatives based on portfolio trends and insights, while collaborating with local business partners and IB retail risk teams
Deliver project based portfolio analyses that provide actionable insights to improve portfolio understanding and identify opportunities to improve risk/reward tradeoff
Influence business partners opinion towards strategic direction (growth/mitigation) by effectively communicating our risk appetite, risk tolerances, and early warning trends
At minimum four years’ experience in the Financial Services industry with particular experience in various analytical techniques for retail loan account origination and portfolio performance measurement and evaluation
High level of business acumen, with ability to do financial modelling and assess product profitability

Senior Manager, Credit Risk Analytics Resume Examples & Samples

Recommendations regarding stress testing and risk frameworks, polices and standards to govern stress testing in accordance with Senior Management, Board and regulatory requirements from multiple jurisdictions
Advising Senior Management and possibly the Board on the progress of the US credit stress testing program and the use of stress testing as a risk and business tool
Information Access: The job has the authority to access and use confidential data as it relates to the Enterprise’s Strategy, Risk Reporting and actual and plan Risk/Financial information. Information is detailed as well as synthesized for reporting to Senior Management committees and Board (BFC STSC, BFC CMC, RMC, & RRC)
Topical skills and knowledge

Credit Risk Analytics, Analyst Resume Examples & Samples

Strong analytical skills; ability to isolate and solve issues using large amounts of data
Ability to work effectively across organization lines
Basic understanding of financial loan system(s) and credit products
Undergraduate degree in accounting or finance

Director Counterparty Credit Risk Analytics Resume Examples & Samples

Providing overall exposure calculations (aggregation / collateral modelling), back testing methodology, on-boarding new trade types to the regressor framework
Improving the modelling sophistication to a level where the firm gains IMM approval from the US regulators
PhD in Maths / Physics or relevant topic (or potentially a good MSc)
Strong stochastic calculus, coding in C++ and preferably in Python
Good knowledge of general arbitrage theory and detailed knowledge of at least one asset class (Rates, FX, Credit, Equity or Commodities)
Experience in a CVA quant team would be ideal as the overlap would be substantial but knowledge of FO pricing models would be desired either from a FO quant perspective or from a Model Validation perspective
Ability to work well in groups, within and across functions
Ability to share information and adopting ideas of others when appropriate
Ability to express yourself clearly in written and spoken English
Experience from working in large C++ libraries, writing production code in both C++ and Python

Senior Manager Credit Risk Analytics Resume Examples & Samples

Working with other team members, support International Retail Risk reporting deliverables to ensure that all reporting is delivered on a timely basis with a high degree of accuracy
Develop both risk and financial models to further enhance the Portfolio Risk Ratings and improve International Banking assessment of risk appetite
Collaborate with cross-functional teams in Canada and Latin America to define best-practices on financial reporting and integration of financial and risk metrics
Evolve the management reporting process for Executives and the Board, to promote consistency and efficiency, while allowing flexibility in providing timely and relevant analytics based on current performance and/or specific strategies for each market
Provide input and support the development of on-going and new reporting and analysis. Lead analytical activities to create new reports to communicate insight effectively and support ongoing business requirements
Solicit feedback to ensure reports are not only providing information, but also insight that is valued by our business partners and/or executives
Support the Global Reporting and Analytics department in preparing both on-going and ad hoc reporting requests
Leads and contributes to team projects and continuous improvement initiatives
Minimum 5 years of proven experience in financial services role, with accounting and analytics experience for retail portfolios
Excellent communication and presentation skills – both verbal and written
Strong risk management knowledge and ability to succinctly communicate key priorities to stakeholders
Demonstrated ability to develop financial reporting, communication memos and interactive presentations
An understanding of accounting, performance and risk measurement concepts and methodologies
Excellent analytical skills and ability to interpret results for the business and derive insight
Intellectually curious, with strong business judgment
Solid interpersonal and organizational skills combined with the ability to readily adapt to rapidly changing business environments

Manager\senior Manager Credit Risk Analytics Resume Examples & Samples

Make recommendations on improvement of existing strategies, procedures and policies. Work closely with partners in Toronto and various countries to identify opportunities and drive changes to improve performance
Experience with credit risk policies and governance framework
Strong knowledge with statistical software packages (i.e. SAS, Angoss or equivalent) to perform data mining and to build credit risk strategies
Experience with credit risk decision systems (i.e. TRIAD, OMDM, TS2 or equivalent) is preferred
Proficient with use and/or development of credit risk scores and their applications
Project management skills to prioritize, manage and implement a variety of competing initiatives on a concurrent or staggered basis
Strong financial skills complemented with solid deductive reasoning, sound judgement, and creativity
Ability to communicate effectively, both oral and written in English/Spanish a must

VP Wholesale Credit Risk Analytics Resume Examples & Samples

The jobholder will implement measures to contain compliance risk across the business area. This will be achieved by liaising with Compliance department about business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimising relations with regulators
Strong academic background with MS/PhD in a quantitative discipline such as Statistics, Econometrics, Mathematics
Solid understanding of commercial and counterparty derivative credit processes, including credit risk assessment and systems
Extensive knowledge of the Basel Capital Accord and US regulatory guidelines

Credit Risk Analytics Resume Examples & Samples

Masters in a math finance/ Masters in quantitative discipline with Derivatives math knowledge & experience. Working experience in a quantitative role in financial/consulting services with good understanding of derivatives' modelling/pricing, is a plus
Some Knowledge of unix & programming languages (e.g. C++ & Perl etc.)
No direct experience of counterparty risk calculations needed, but some knowledge of market risk management techniques are desirable
Knowledge of a wide range of derivative products (FI, Eqty, cmdty, FX, Credit) would be ideal but not a pre-requisite
Good communication skill is essential as the position requires quatifying risks and explaining them in a quick decision making enviornment
Eagerness & ability to grasp the complexity of structured derivatives quickly

VP-wholesale Credit Risk Analytics Resume Examples & Samples

Position functions as a technical expert at an individual contributor level
Aug 2010
On Balance Credit Exposure US$ XXX bn
Off Balance Sheet Credit Exposure US$ X tn
Strong communications, analytical, decision-making, lateral thinking and interpersonal skills

Team Lead, Credit Risk Analytics Resume Examples & Samples

Managing the CCAR Coporate and Institutional (C&I) Credit Stress Testing Modeling function
Managing a team with team members in multiple locations (global)
Developing, maintaining and executing statistical models related to the C&I credit segments in support of the quarterly capital adequacy assessment process at Northern Trust
Managing and executing the ongoing model performance monitoring of credit stress testing models
Ensuring quality control of the model development process
Working closely with the Model Validation, Model Governance functions and Audit function to address all modeling validation findings or Audit issues by deadline
Interacting with the Data Analytics team to request and ensure high quality data is utilized in the model development process
Communicate regularly with key business partners, management, and oversight committees and regulators by acting as a subject matter expert
5+ years of experience developing and managing statistical models in banking or related industry
3+ years of experience developing and managing CCAR C&I PD and LGD models including rating transition model at a Large and Complex bank
2-3 years of experience managing a quantitative team
3+ years of experience in CCAR regulatory examination to present quantitative model results to examiners and address regulatory questions and findings
Experience in Vendor stress testing models for C&I such as Credit Edge is a plus
Experience in Vendor Data such as S&P CreditPro and Moody’s DRD
Excellent analytical skills that include statistical analysis, model development and execution and attention to detail
Excellent experience using statistical programming languages such as SAS, SQL and R
Excellent oral and written communication skills, including presentation skills, the ability to create concise model documentation, as well as the ability to critically review and edit documents; a writing sample may be requested
Ability to effectively communicate with peers, senior management and overseas partners
Ability to work under pressure and organize, manage and prioritize multiple deliverables
Advanced degree (PhD is preferred) in statistics or equivalent quantitative field

Director, Credit Risk Analytics Resume Examples & Samples

Perform detailed analysis of consumer credit operations across industries such as financial services, power and utilities, and telecom
Analyze large datasets using econometric modeling and other business analysis tools such as SAS
Develop loan portfolio stress testing models using economic variables
Create consumer credit loss forecasting methodologies for clients and evaluate analytical models and methodologies used in consumer credit lending, account management, and collections
Identify and communicate technical matters to both clients and upper management
Write and present clear and concise reports and presentations to clients containing meaningful recommendations
Oversee engagement personnel
Regularly communicate with project sponsors and other interested client parties
Manage various facets of engagement including risk management, project acceptance, billing, delivery, and collections
Eight years of work experience with at least two years of experience at a major consulting firm
Quantitative academic background in Engineering, Operations Research, Physics, Mathematics, or Statistics from an accredited college/university; MBA, MS, or PhD from an accredited college/university preferred
Experience with complex multivariate modeling techniques used in the financial services industry
Knowledge of credit scoring, credit analytics, and loan loss reserving for retail and/or credit
Familiarity with underwriting and behavior scoring models, prepayment and loan account attrition models, loss forecasting, economic risk analysis, and other business analysis tools used in consumer and small business lending
Ten years of related work experience in a financial services or consulting firm
Well-established understanding of business dynamics and regulations
Established network of industry contacts and development opportunities

Credit Risk Analytics Internship Resume Examples & Samples

Pursuing an advanced degree in a quantitative discipline (e.g. Economics, Finance, Statistics, Mathematics)
Strong analytical and problem solving skills, coupled with thoroughness and attention to detail
Ability to work independently and proactively to address issues in a timely manner
Experience with MS Word, Excel, and PowerPoint
Programming experience in SAS (Base, STAT, and/or Enterprise Guide), R, MATLAB or another statistical programming package is a plus, but not required

Credit Risk Analytics Resume Examples & Samples

Responsible for developing and optimizing BB lending (product includes term loans, working capital line of credit- secured and unsecured, business credit card, equipment financing, SBA, etc.) risk strategies and evaluating their performance continuously and make adjustments as needed
The role will also be responsible for providing analytics support across credit risk lifecycle initiatives: originations, line management, portfolio/customer risk management, capital risk management, and collections & recovery
This includes leading and/or overseeing credit scoring/risk rating model development and BB transformation projects in support of key risk strategies
Responsible for applying credit risk expertise and analytical skills to drive sustainable and profitable growth strategies across Business Banking client continuum (covering micro businesses to medium businesses up to $25MM sales turn over) ensuring that they are operating within the boundaries of the credit risk appetite and bank's credit policy and standards
Performing granular analysis with attention to details overcoming small data sample challenges is important to the success of this position
The position requires application of quantitative and qualitative methods taking into consideration of Business Banking Risk dynamics and provides effective challenges on credit performance, emerging risks and business conformity with Bank's credit policy and standards
The analyst will lead and work as part of cross-functional teams (product, credit operations and finance) across the Bank and deliver quality results working in multiple projects and assignments at the same time
The ideal candidate will have demonstrated experience with any and all of the following: credit decision engine packages, statistical techniques, statistics software packages, small business/commercial risk assessment, retail and wholesale capital calculations, and data mining techniques
The candidate will be engaged in the implementation of credit decision engine projects (origination and portfolio management), ensuring all credit risk strategies are implemented in line with expectations
Responsible for supporting business intelligence initiatives in risk reporting and MIS capabilities. Responsible for supporting for Model Risk, Loss Forecasting, Capital Optimization/Management and ERM framework
Ad-hoc analytics support including tracking and managing portfolio risk performance in line with Bank's credit policy and stated Risk Appetite objectives
Developing and deploying BB credit risk predictive solutions and market leading strategies to improve automation, efficiencies and lending experience for the entire customer risk life cycle
Masters or Ph.D. or equivalent experience with emphasis in data science or rel quant or stat/data analysis or op research or decision mgmt
5 - 7 Years Specialized Knowledge
Ability conceptualize and execute analytical work based on broad business objectives
Ability to work with large scale data to derive insights through data analysis, optimization or risk classification algorithms
Exceptional problem solving, organizational and process improvement skills. Knowledge of logistic regression, classification algorithms, credit risk scoring, decision management in banking or credit card industry
Knowledge of retail and commercial credit policy, capital risk (PD, LGD and EAD) modeling in retail or commercial portfolio preferred
Predictive tools including regression, optimization/decision tree algorithms, SAS, Scoring/Decision Support System, Credit Risk, Capital Calculations, BASEL framework. Strong analytics background with attention to details to deliver quality results

Business Banking Credit Risk Analytics Internship Resume Examples & Samples

Currently Enrolled in an accredited degree program (strong preference for Economics/Statistics/Mathematics or other quantitative discipline); will be a senior next August
Cumulative GPA is 3.0 or above (preferably 3.5 or above)
Highly motivated and results oriented with a desire to exceed expectations
Excellent communication skills with the ability to express facts and ideas clearly both verbally and in writing, interacting professionally, transparently and effectively with people at all levels
Intellectual curiosity ; a desire to understand the drivers behind business problems and challenge the status quo
The ideal candidate will have demonstrated experience with one or more programming languages (For example, HTML/VBA/SQL/Java/C++ etc.)
Basic proficiency in Microsoft Excel (e.g. pivot tables/filtering/sorting/charting)

Modeler, Credit Risk Analytics Resume Examples & Samples

Monitors and validates current scores regularly; documents results
Makes recommendations regarding when scores should be redeveloped
Documents modeling and analysis processes and results for internal and regulatory purposes
Researches industry trends in analytical approach and new techniques to enhance predictive modeling capability
Tests/analyzes new methodologies
May evaluate new scores from vendors by performing cost/benefit analysis
May evaluate new products from vendors by performing cost/benefit analysis
Translates analytical results into useful recommendations that increase bottom line profit
Provides support for implementation of solutions
Monitors impact of solutions that are implemented
1-2 years of hands-on experience with statistical techniques such as generalized linear models, clustering, segmentation, multivariate analysis, and time series required
3-5 years experience in gathering and/or analyzing financial data required
Master Degree in Statistics, Math, or other Quantitative fields required
Experience in the credit card or finance industry preferred
Underwriting, Collections and/or Fraud experience preferred
2-5 years experience with SAS and SQL preferred
Ability to organize tasks and meet established deadlines
Ability to research and analyze and provide recommendations
Ability to identify and resolve problems with statistical models
Thorough knowledge of statistical software and techniques
Ability to organize/manage multiple projects simultaneously
Good presentation skills
Proficient in MS Office
Enjoys collaborative efforts and maintains a positive attitude

Manager of Credit Risk Analytics Resume Examples & Samples

Partners with the Credit Risk Executive and other business leaders to evolve Credit Risk Analytics strategies
Lead statistical modeling team in start-to-finish development/assessment of credit loss and other forecasting models, including Allowance for Loan and Lease Losses and Dodd-Frank Stress Testing
Work with multiple complex data sources, and identify new data sources for business insights and significant improvements in predictive capabilities
Collaborate with the internal technology and project management teams to implement and deploy solutions for real-time decisions
Support business requests which require statistical analysis from management team and other departments within the company. Seek out and evaluate appropriate methods and techniques for translating data into information, insights and strategies
Designs project plans with clear objectives, detailed tasks, accountabilities and timelines
Provide training, guidance, and assistance to team members, which include Model Development, Allowance for Loan and Lease Losses, and Documentation roles
Interact with external and internal auditors, regulators, and model risk management staff
Lead the quarterly Allowance for Loan and Lease Losses process and committee meeting including interfacing with the Bank’s Loan Loss Reserve Committee members and making recommendations for quarter end reserve levels
7-10 years of experience in analytics with progressive leadership experience in leading crossfunctional programs
Strongly preferred: Degree in a quantitative subject, such as mathematics, computer science, statistics, economics or a related field
Fluent in variety of statistical and machine learning approaches, including regressions, and loss estimation techniques

Lead Credit Risk Analytics Manager Resume Examples & Samples

You will have lots of experience in the financial services and a depth of knowledge in credit risk, having previously worked in a bank within Risk
You will be proficient in a statistical program language i.e. SAS, SQL, R, Matlab, SPSS and VBA as well as Microsoft office
An experienced and confident leader, the ability to support and guide colleagues on all matters relating to credit risk and modelling

SVP, Credit Risk Analytics & Modeling Resume Examples & Samples

Develop models and oversee model development, validation, and deployment efforts
Work with large datasets and complex algorithms to solve data science challenges
Leverage big data to develop innovative deployable solutions
Help introduce best-in-class, cutting edge machine learning techniques to drive profitability through innovation
Ensure timely model performance tracking, and assist in process automation to drastically improve process/operation efficiencies (where possible) that will enable the business to make rapid credit decisions against market condition changes
Support the development of training curriculum and standards
Partner with Risk and Decision Management organizations to understand the source of new data and continue to improve the process of defining, extracting and utilizing the new data
Interact with senior levels of management to facilitate understanding of usage of credit risk models and inform critical decisions
Provide leadership and guidance for junior modelers
Bachelor’s Degree required in statistics, mathematics, engineering, physics, economics, or related quantitative discipline (Masters or Ph’d degrees preferred)
8+ years experience in risk management, statistical modeling, model management or other relevant field (or 7+ years experience with Master’s Degree or PhD). People management experience preferred but not required
3+ years managing staff (direct or indirect)
Sound knowledge of statistical modeling concepts and industry best practices; experience with econometric and statistical modeling or application risk scoring
Experience with analytical or data manipulation tools (e.g. SAS, SQL, R, C Programming in UNIX)
Ability to deliver compelling presentations and influence executive audiences
Excellent communicator; ability to engage and inspire team forward
Ability to drive innovation via thought leadership while maintaining end-to-end view
Effective cross-functional project, resource, and stakeholder management; effectively engage with internal audit and external regulators
Understanding of key drivers of decisioning, such as Strategic Plan, CCAR and Risk Appetite Framework (RAF), as well as in-depth knowledge of the Cards business P&Ls and risk management concepts and practices a plus
Prior experience in using advanced machine learning tools etc. in any data intensive role (Financial services experience not required)
Experience working in Big data environments; Intellectual curiosity to stay abreast of technological advances

Avp-small Business Credit Risk Analytics Resume Examples & Samples

This position may act as a first level manager or as the most senior level individual contributor/ subject matter expert
This position may also work with other support teams such as Vendor Management and/or Technology Services
Five years proven statistical analysis and/or MIS experience, or equivalent. Management experience as well as knowledge and understanding of financial services preferred
Well-developed organizational, analytical, problem-solving, project management and verbal and written communication skills
Proficiency with personal computers as well as pertinent mainframe systems and software packages. Strong programming skills to include knowledge of statistical programs (i.e. SAS, SAP) and/or advanced database programs

Senior RCA Manager Enterprise Credit Risk Analytics Resume Examples & Samples

Responsible for leading a team of professionals to oversee risk management of the Bank’s wholesale credit portfolio, including the identification and ongoing monitoring of current and emerging risks, and escalation to key stakeholders where appropriate
This individual ensures that credit concentrations are effectively identified and monitored, and associated board-reportable risk limits are reported in a timely manner
The team led by this individual is responsible for emerging risk monitoring and reporting which entails extensive collaboration with internal partners in Credit Risk Management as well as subject matter experts in the various Lines of Business, along with responsibility for developing research and insightful analysis of current macro and micro economic trends, industry risks and geographic risks
As the leader of this group, this individual will need to ensure that the team leverages appropriate data sources and maintains data integrity, and is audit-ready with regard to data governance policies and procedures
Expert knowledge of applicable regulatory and internal policy requirements and identification of gaps as applicable is essential, along with the ability to recommend action(s) to be taken to remedy any issues identified
Also responsible for frequent ad hoc, and often highly visible projects to assess risk on a bankwide basis from current or emerging risk issues
The analyses and reports maintained by the team are distributed widely throughout the bank to ensure lenders and credit approvers effectively manage credit portfolios in line with the Bank’s risk appetite, and that senior and executive management is apprised in a timely manner of key portfolio risks
15 or more years of experience in an applicable risk management environment
Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
Considerable knowledge of the business line’s operations, products/services, systems, and associated risks/controls
Expert knowledge of Risk/Compliance/Audit competencies
Ability to manage job scope and complexity of assigned business at the departmental and/or division level
Strong leadership and management skills of processes, projects and people
Strong analytical, problem-solving and negotiation skills

Senior Mgr, Credit Risk Analytics Resume Examples & Samples

Monitor risk performance of specific clients and complete required analysis; ensure the organization maximizes profit within the contractual terms for each client by managing analysis of portfolio trends and forecasting performance concerning score cut-offs, profitability, bad debt losses, general portfolio dynamics, and bureau scoring criteria
Ensure accurate and complete analysis, including interpreting data and communicating results and recommendations to management, for on-going projects such as cut-off review, champion/challenger programs, and risk-based pricing update (supervisory responsibility)
Develop Credit Risk Analysts by setting up processes for training, reviewing work, and providing feedback to enhance their analytical skills. Ensure analysts have the tools, skills, and knowledge to access required data
Design and develop risk management policies to maintain maximum protection of the organization’s assets. Consult with other Credit Risk Managers to determine best practices regarding analytics, risk criteria, and policies/procedures
Manage day-to-day client inquiries and communicate risk management role, processes, policies, and procedures to internal stakeholders like Client Sales, Marketing, and Operations
Educate analysts on the big picture of the credit card business and Credit Risk’s role in its success
Ensure monthly reporting necessary to understand changes in application and portfolio risk mix is effectively completed and presented to senior management and internal partners
Bachelor’s Degree in Finance, Statistics, Accounting, Business and/or equivalent knowledge or experience
Minimum of five years of experience performing portfolio analysis of credit card files
2+ years of experience leading or supervising other team members
Initiate, coordinate, & implement department-wide projects
Thorough knowledge of credit card business (operation, regulatory, sales/marketing, etc.) & understanding of what drives profit
Thorough knowledge of P&L calculations
Knowledge of current technologies and practices associated with credit risk management
Strong SAS, SQL, and Essbase skills
Ability to creatively solve problems with innovative solutions
Management and leadership abilities
Ability to analyze data trends, form conclusions and recommendations based on those analyses
Intermediate proficiency in Excel; basic level of Word and PowerPoint
Presentation (both written and oral) skills to provide analysis results to upper management
Ability to communicate results and risk concepts to groups that may not be as data savvy
Ability to provide constructive and consistent feedback to analysts to develop their skills