Credit Card Risk and Analytics Manager
First Horizon Bank, Memphis, TN, United States
Location : On site at location listed in job posting.
Summary
The Credit Card Risk and Analytics Manager will lead, plan, and direct the credit risk modeling and analytics function including credit risk strategy development, implementation and maintenance of the scorecards for the Credit Card Line of Business. The role will be responsible for optimizing underwriting strategies for all Consumer Credit Card asset types. Plan and direct credit risk modeling efforts to include design and build of custom scorecards across the lending life cycle and optimization of credit line allocations/assignments.
Responsibilities
Lead development and ongoing management of credit risk models for underwriting, scoring, account management, models to optimize credit card lending decisions
Oversee the development, implementation, and use of credit scoring models and account management strategies
Execute development of credit line assignment models to minimize risk exposure while maximizing net income, and profitability models that allow for optimization of the various trade-offs to achieve the business goals.
Maintain thorough knowledge of credit bureau data, tools and initiatives and how they may be leveraged to improve credit decisions
Responsible for the First Line of Defense for credit card risk
Develop and implement new/updated policies, procedures, goals and priorities as necessitated by demands, changing conditions, and/or management request
Manage and lead the simulation and optimization of credit policy decisions utilizing various profit/loss scenarios to ascertain current/future financial impact; make appropriate recommendations
Maintain understanding of business direction, environment and strategies and work closely with stakeholders to ensure analytic output addresses business needs
Sets, monitors and maintains Risk KPI/KRIs and contributes to ongoing Risk Reporting and Risk Committee meetings as needed
Performs all other duties as assigned
Requirements
Bachelor (4-year college) degree and 5+ years of experience
Knowledge of Credit Scoring and Credit Card Scorecard models
Knowledge of Credit Risk management, asset/liability management and/or mathematic modeling
Microsoft Office suite and experience in the use of statistical modeling software
High levels of initiative, sound judgment, and demonstrated tact in communication and conflict resolution.
Ability to work independently and credibly across cross-functional teams, effectively engaging with associates at all levels and external partners.
Benefit Highlights
Medical with wellness incentives, dental, and vision
HSA with company match
Maternity and parental leave
Tuition reimbursement
Mentor program
401(k) with 6% match
More – FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
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Summary
The Credit Card Risk and Analytics Manager will lead, plan, and direct the credit risk modeling and analytics function including credit risk strategy development, implementation and maintenance of the scorecards for the Credit Card Line of Business. The role will be responsible for optimizing underwriting strategies for all Consumer Credit Card asset types. Plan and direct credit risk modeling efforts to include design and build of custom scorecards across the lending life cycle and optimization of credit line allocations/assignments.
Responsibilities
Lead development and ongoing management of credit risk models for underwriting, scoring, account management, models to optimize credit card lending decisions
Oversee the development, implementation, and use of credit scoring models and account management strategies
Execute development of credit line assignment models to minimize risk exposure while maximizing net income, and profitability models that allow for optimization of the various trade-offs to achieve the business goals.
Maintain thorough knowledge of credit bureau data, tools and initiatives and how they may be leveraged to improve credit decisions
Responsible for the First Line of Defense for credit card risk
Develop and implement new/updated policies, procedures, goals and priorities as necessitated by demands, changing conditions, and/or management request
Manage and lead the simulation and optimization of credit policy decisions utilizing various profit/loss scenarios to ascertain current/future financial impact; make appropriate recommendations
Maintain understanding of business direction, environment and strategies and work closely with stakeholders to ensure analytic output addresses business needs
Sets, monitors and maintains Risk KPI/KRIs and contributes to ongoing Risk Reporting and Risk Committee meetings as needed
Performs all other duties as assigned
Requirements
Bachelor (4-year college) degree and 5+ years of experience
Knowledge of Credit Scoring and Credit Card Scorecard models
Knowledge of Credit Risk management, asset/liability management and/or mathematic modeling
Microsoft Office suite and experience in the use of statistical modeling software
High levels of initiative, sound judgment, and demonstrated tact in communication and conflict resolution.
Ability to work independently and credibly across cross-functional teams, effectively engaging with associates at all levels and external partners.
Benefit Highlights
Medical with wellness incentives, dental, and vision
HSA with company match
Maternity and parental leave
Tuition reimbursement
Mentor program
401(k) with 6% match
More – FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
#J-18808-Ljbffr