Financial Analyst II - Credit Risk

Position Summary

Credit One Bank, N.A. is a technology and data-driven financial services company offering a full range of consumer credit card products. In addition to being one of the largest credit card banks in the United States, Credit One Bank is the exclusive issuer of the Official Credit Card of NASCAR®, the Official Credit Card of the NHL’s Vegas Golden Knights, the Official Credit Card of the Big 12 Conference, and the Official Credit Card of the Las Vegas Aviators.     

We are looking for highly qualified professionals at our state-of-the-art, corporate headquarters in Las Vegas, NV. In addition to providing our card members with superior value and service, we are dedicated to providing engaging and challenging career opportunities for our employees. As a member of the Credit One Bank team, we’ll help you be your best and support you so you can reach your full potential.      

This position manages an acquisition program in terms of risk performance and overall profitability.  Perform deep dive analysis at the acquisition channel level and ad hoc analyses as needed.  Identify opportunity to grow the acquisitions volume without negatively impacting the program profitability.  Also develops and manages the delinquency and profitability forecasting models.     

Summary of Essential Job Functions

• Analyze new account acquisition historical P&L performance to identify revenue opportunities and risk factors such as roll rates and delinquent buckets at an early stage.
• Communicates these trends and findings to team members, upper management, and various stakeholders via department meetings and monthly/quarterly Powerpoint slides and presentations.
• Forecast future performance of various acquisition channels utilizing Excel-based and/or SAS-based P&L forecast models while assessing variances between forecasted vs. actual results.
• Optimize strategies to grow the company’s pre-tax income including testing of various fees, credit line increase and convenience check amounts.
• Develop ad-hoc historical reports to assist with financial analysis as needed.

Position Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics or related field. (advanced degree preferred)
• 3+ years work experience in Finance, Risk, Analytics, or similar role in a professional corporate environment
• 3+ years advanced use of: Microsoft Excel, Microsoft PowerPoint, SAS or SQL
• Excellent analytical, problem-solving, and decision-making skills
• Ability to prioritize projects, work independently, deal with ambiguity, handle tight deadlines, and achieve effective results in a fast-paced, dynamic environment
• Experience analyzing large data sets, developing recommendations, and simplifying for presentation
• Excellent verbal and written communications skills
• Ability to work well with various departments and teammates
• Constant desire to learn and challenge others to find the best solution, not afraid of failure

Preferred (Not Required):    

• Advanced degree in Finance, Economics, Business, or Mathematics
• 3+ years advanced use of: Microsoft Excel VBA
• Consumer Credit Card industry experience