Small Business Credit Card Risk Manager
U.S. Bank, Horsham, PA, United States
Overview
At U.S. Bank, we’re on a journey to do our best. Helping customers and businesses to make better and smarter financial decisions and enabling communities to grow and succeed. A career with U.S. Bank offers opportunities to discover what makes you thrive at every stage of your career, with day-one learning and opportunity.
Job Description Looking for a responsible, hard-working Risk Management professional skilled in SAS/SQL/Python, decision tree analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business Credit Card Risk Strategy team.
Responsibilities
Lead the line management function for the Small Business Credit Card portfolio. Analyze large amounts of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy’s financial impact and track actuals against forecast.
Clearly and timely communicate strategy changes and financial impact to Cobrand partners and senior leaders.
Query large datasets using Python, SAS EG, or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data.
Work with consumer and commercial bureaus to improve data sources and tools for strategy improvement.
Collaborate with other areas of the organization such as system implementation teams to support strategy implementation.
Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers.
Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner.
Serve as a liaison between Compliance, Risk, and Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analyses that support data-driven decisions.
Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management. Summarize findings from reports to deliver clear messages about strategy improvement opportunities.
Basic Qualifications
Bachelor's degree or equivalent work experience
Seven to ten years of related experience
Preferred Skills And Experience
Bachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science, or equivalent experience
Five plus years of relevant experience in credit card risk management functions
In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
Strong analytical skills and ability to analyze models, tools, trends, and patterns
Expertise with Python, SAS, SAS EG, or SQL Plus to pull large amounts of data
Expertise with Power BI, Excel, and PowerPoint
Expertise with Microsoft suites and productivity tools
Strong process facilitation, project management, analytical, and presentation skills
Experience working with small business credit card portfolio preferred
Hybrid / Flexible Schedule The role offers a hybrid/flexible schedule, which means there is an in-office expectation of 3 or more days per week with flexibility to work outside the office location on remaining days.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. Benefits help you and your family boost health, protect financial security, and provide peace of mind. Benefits include:
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holidays
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify: U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on location. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase, 401(k) contribution, and pension. Pay Range: $119,765.00 - $140,900.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws and federal requirements. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
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Job Description Looking for a responsible, hard-working Risk Management professional skilled in SAS/SQL/Python, decision tree analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business Credit Card Risk Strategy team.
Responsibilities
Lead the line management function for the Small Business Credit Card portfolio. Analyze large amounts of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy’s financial impact and track actuals against forecast.
Clearly and timely communicate strategy changes and financial impact to Cobrand partners and senior leaders.
Query large datasets using Python, SAS EG, or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data.
Work with consumer and commercial bureaus to improve data sources and tools for strategy improvement.
Collaborate with other areas of the organization such as system implementation teams to support strategy implementation.
Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers.
Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner.
Serve as a liaison between Compliance, Risk, and Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analyses that support data-driven decisions.
Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management. Summarize findings from reports to deliver clear messages about strategy improvement opportunities.
Basic Qualifications
Bachelor's degree or equivalent work experience
Seven to ten years of related experience
Preferred Skills And Experience
Bachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science, or equivalent experience
Five plus years of relevant experience in credit card risk management functions
In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
Strong analytical skills and ability to analyze models, tools, trends, and patterns
Expertise with Python, SAS, SAS EG, or SQL Plus to pull large amounts of data
Expertise with Power BI, Excel, and PowerPoint
Expertise with Microsoft suites and productivity tools
Strong process facilitation, project management, analytical, and presentation skills
Experience working with small business credit card portfolio preferred
Hybrid / Flexible Schedule The role offers a hybrid/flexible schedule, which means there is an in-office expectation of 3 or more days per week with flexibility to work outside the office location on remaining days.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. Benefits help you and your family boost health, protect financial security, and provide peace of mind. Benefits include:
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holidays
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify: U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on location. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase, 401(k) contribution, and pension. Pay Range: $119,765.00 - $140,900.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws and federal requirements. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
#J-18808-Ljbffr