Credit Management Senior Analyst, Bread Financial

• Bachelor’s Degree in Finance, Business, Economics, or quantitative field or related
• 5+ years analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience
• Account Management
• Data Analytics
• Data Visualization
• Decision Trees
• Pivot Tables
• Python (Programming Language)
• R Programming
• SAS
• Structured Query Language (SQL)
• Trend Analysis

Desirable

• The Credit Management Department plays a crucial role in facilitating profitable growth by managing the risk/reward tradeoff for various credit decisions throughout the lifecycle of an account
• These touch points include, but are not limited to new account approval criteria, initial credit limit assignment, existing account credit line management, credit authorizations, card reissue, high-risk account management, marketing program credit qualification, and P&L delinquency and loss forecasting
• Credit Management continuously develops and refines criteria in these areas by brand, product (cobrand, PLCC, installment loan), and channel
• The team collaborates with business partners to achieve best-in-class profitability while adhering to industry regulatory guidelines
• As a Senior Analyst, your responsibility is to ensure that the actions taken align with the department's goals
• Develop and assess new account acquisition strategies to drive growth. Analyze past performance to refine strategies and create new credit limit policies. Generate detailed reports on key credit risk metrics to guide decision-making. - (50%)
• Address ad-hoc requests from internal stakeholders promptly and effectively. Evaluate, research, and resolve various issues that arise. Communicate clearly and build strong relationships with different departments. - (20%)
• Utilize SQL, SAS, Python, and R to create comprehensive reports. Use data visualization tools like APT, Decision Trees, and Microsoft Office to present findings. Share insights with Credit Risk Leadership, Brand Strategy, Client Partnership, and other key stakeholders. - (20%)
• Ensure all credit policies and procedures comply with regulatory requirements and internal standards. Regularly review and update policies to reflect changes in regulations and market conditions. Conduct risk assessments and audits to identify and mitigate potential compliance issues. - (10%)
• Reports To: Associate Manager and above