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Machine Learning and Statistical Modeling AVP

Location: Las Vegas, NV, United States
Date Posted:

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Position Summary 

This position is a part of Decision Sciences, which is a problem-solving, value-adding unit of the Risk Management department. Our risk modeling professionals are tasked with guiding statistical models through every step of the software development lifecycle.  This includes, but is not limited to, training new models, assessing existing performance, working with strategy partners to identify new needs, preparing regulatory documentation, and retiring models as well.  We develop and deliver statistical models which are essential for new account originations, including targeting prospects, assigning offers, and setting initial credit limits. We also serve the managers in our Existing Cardmember Management, or ECM, strategies. 
In the role of Assistant Vice President of Decision Sciences, the position will be primarily responsible for developing the talent that delivers quantitative statistical solutions to drive incremental growth in Originations and Existing Cardmember Management, or ECM. This position will focus on evaluating, analyzing, and reporting on the impact and performance of various ECM credit, balance growth, and customer engagement strategies, as well as conducting analysis to evaluate the risk of existing programs. This is a leadership role that will manage and mentor a team so the ability to coach and improve human performance is required. 
This candidate should be a subject matter expert regarding statistical models (both ML and regression), segmentation, loss rate calculation, forecasting, credit bureau attributes, and portfolio scores. S/he should have proven experience in model development techniques. 

Essential Job Functions: 

  • Lead a team to create, manage, and enhance statistical models that increase customer card value and usage.
  • Work with peers to optimize current Originations and ECM programs and underwriting strategies to increase profitability and enhance performance across all programs.
  • Present findings to upper management and making recommendations for improvements.
  • Design, propose, and read complex tests to enhance program knowledge and performance.
  • Oversee the development and management of models used in programs
  • Lead analysis in order to evaluate the risk of new and existing programs.
  • Drive incremental growth through the development of new strategies or the optimization of existing strategies in the digital and direct mail acquisitions space.
  • Perform other duties as assigned.

Position Requirements: 

  • 5+ years’ experience in Financial Services, Credit Card strategy, and Banking.
  • Advanced degree (Masters or PhD)
  • Knowledge of financial analysis and profitability drivers.
  • Ability to quickly assimilate and analyze large amounts of information.
  • Must be able to lead a strong team of analysts and prioritize multiple highly impactful projects.
  • Provide individual coaching to team members to lead consistent improvements.
  • Strong knowledge of Microsoft tool suite (Excel, Word, PowerPoint, Visio).
  • Strong financial analytical skills with the ability to read, interpret, and evaluate, financial time-series tracking reports (including vintage analysis).
  • Fundamental knowledge of credit scoring, credit underwriting, and credit risk management.
  • Familiar with a wide variety of credit card industry concepts, practices, and procedures including loss forecasting and Originations / Portfolio Management Strategy.
  • Advanced technical competencies using SAS Enterprise Guide / Miner, Python, and/or SQL, Excel and Tableau are required.


Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.