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Sr. Credit & Risk Analyst

Company: Advance America
Location: Spartanburg
Posted on: June 12, 2019

Job Description:

OverviewThis position reports to the Sr. Manager, Credit Risk. The responsibilities for this role will include developing statistical models, performing profitability and portfolio performance analysis, and developing test and control strategies to optimize decision making. This role works closely with management to perform analysis and prepare data as well as serves as a mentor to the more junior analysts. Furthermore, this role requires someone who quickly adapts to change and is willing to complete all duties as assigned and requested.ResponsibilitiesJob Responsibilities Include:

  • Monitor consumer loan portfolio and optimize profit-based risk management decisions at all stages of the customer credit life cycle, including (but not limited to) new customer acquisition, underwriting, conversion, collections, and retention.

  • Develop real-time fraud and collection prevention models, and strategies to minimize fraud and improve recovery rate.

  • Independently designs experiments to enable longer term optimization of decisions, line assignment, and offer terms across our menu of financial products and customer segments.

  • Works with credit bureaus to evaluate new data sources and "Ad-Hoc" analysis as assigned.
  • Develop and implement advanced statistical and machine learning models across the customer lifecycle to include customer acquisition, onboarding (operational processes), credit underwriting, product optimization, and collections.
  • Collaborate with Finance and Business Intelligence to build and improve monitoring of portfolio KPIs
  • Understand, adhere to and enforce all corporate policies including, but not limited to, Advance America's Creed, Code of Ethics and Information Security Policies

    QualificationsEquivalent Education and Experience Required: Master's Degree in Quantitative Field (Engineering, Statistics, Mathematics, Economics, or other comparable quantitative field) required with three (3) years of experience working in an analytical role in banking, finance, or retail or Bachelor's Degree in Quantitative Field (Engineering, Statistics, Mathematics, Economics, or other comparable quantitative field) required with five (5) years of experience working in an analytical role in banking, finance, or retail.

    Knowledge Required: Excellent written and verbal communications skills as would be needed to communicate in person, by phone, and through email; adaptability and flexibility to changing environment; and comfortable working in a dynamic, high volume, fast-paced environment. Ability to read, write, evaluate, and apply information. Ability to interact professionally and exhibit appropriate social skills. Ability to understand and ensure compliance with policies, procedures, and laws governing our industry/business and products. Ability to develop and maintain business relationships.

    Basic understanding of statistical principals (p-value, etc.). Comfortable with solving complex problems, working with computers and technology, and using higher level mathematics. Ability to quickly learn all technology needed in order to perform the role. Prior coursework in advanced mathematics, computer programming, economics, and operations research would be beneficial. Prior work with SAS, SQL, or another analytical tool preferred.

    Physical Requirements: Sitting for long periods of time; standing occasionally; walking; bending; squatting; kneeling; pushing/pulling; reaching; twisting; frequent lifting of less than 10 lbs., occasional lifting of up to 20 lbs.; typing; data entry; grasping; transferring items between hands and/or to another person or receptacle; use of office equipment to include computers; ability to travel to, be physically present at, and complete the physical requirements of the position at any assigned location.

    Travel: 0 - 10%

    Attire: Professional attire (as required by company standards).

    Other: Must be eligible to work in the USA and able to pass a background check.


    Data Science

    Data Scientist

    Business Analytics

    Data Analyst

    Statistical Analyst

    Business Analyst

    Credit Analyst

    Risk Analyst


    Data Modeling

    Statistical Modeling





    Predictive modeling


    Machine learning

    ML Modeling

Keywords: Advance America, Spartanburg , Sr. Credit & Risk Analyst, Professions , Spartanburg, South Carolina

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