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Credit Risk Analyst II

Location: Las Vegas, NV, United States
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Description

The Risk Analyst will primarily be responsible for driving the Bank’s incremental growth through Digital and Direct Mail Acquisition strategies. This position will focus on evaluating, analyzing, and reporting the impact and performance of digital and direct mail acquisition strategies, as well as conducting analyses to evaluate the risk of new and existing programs.
Essential job responsibilities include:  developing and maintaining reports to track volume growth and vintage performance and profitability, presenting findings to upper management, and making recommendations for opportunities for incremental growth.
The position reports directly to an Assistant Vice President responsible for Acquisition Risk Management.
Summary of Essential Job Functions
  • Help deliver profitable growth through the development of new strategies and the optimization of existing strategies for direct mail and digital acquisition channels through the assessment of credit risk and P&L drivers
  • Explore new areas of opportunity for incremental growth within Direct Mail through testing of new scores and products
  • Leverage advanced analytical tools and algorithms to deliver accretive strategies across targeting, universe expansion, and product mix optimization
  • Develop presentations to share insights and recommendations to upper management
  • Lead analyses to evaluate the risk and profitability of new and existing programs across the entire credit spectrum
  • Collaborate across multiple departments such as Marketing, Data source, Campaign Execution, etc. to achieve effectiveness and efficiency and deliver on business goals
  • Provide insights from external and unconventional data sources to help explore competitive landscape
  • Perform other duties as assigned

 

Position Requirements
  • Master's Degree in Economics, Finance, Business, Math or related field.
  • 3-5 years' analytical experience in Banking, Finance, Insurance or Gaming.
  • 3-5 years' advanced use of at least one of the following: SAS, SQL Server, Microsoft Access, or Oracle.
  • Intellectual horsepower with problem solving and analytical skills.
  • Must be proficient in data mining and financial modeling procedures.
  • Self-starter, who can work independently with a high degree of organization on several projects at one time.
  • Sufficient self-confidence and ability to propose new ideas/solutions.
  • Ability to quickly assimilate and analyze large amounts of information.
  • Strong knowledge of Microsoft tool suite (Excel, Word, PowerPoint, Visio).
  • Knowledge of credit risk, financial analysis and profitability drivers.
Preferred (Not Required)
  • Advanced degree
  • Consumer Credit Card industry experience
  • Experience in digital and direct mail markets and online acquisitions.

 

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.

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