Description
Position Summary
This position is a part of the Acquisitions teams in the Risk Management department. Our risk professionals are tasked with identifying revenue opportunities and risk trends by monitoring the performance of our existing portfolio, growth opportunities, and general market trends. The Risk Management – Acquisitions department develops and implements strategies for new credit acquisitions and initial credit line assignments.
In the role of Risk Analyst II, the position will primarily be responsible for driving the Bank’s incremental growth through Digital Acquisition strategies. This position will focus on evaluating, monitoring, and reporting the impact and performance of digital acquisition strategies, as well as contributing to recurring processes to identify, communicate, and implement strategic changes. This position will be the primary person for Digital campaign processes and will use their expertise to optimize the existing process flow.
Essential job responsibilities include analyzing performance to optimize existing strategies and monitoring the performance of the Digital Acquisition channel via monthly processes to ensure the strategies meet company volume, risk and return goals. This role will presenting findings to upper management and making recommendations based on tests, risk trends, and macro economic factors.
The position reports directly to a Senior Manager responsible for Acquisition Risk Management.
Summary of Essential Job Functions
- Ability to influence and drive business strategies that facilitate growth, profitability, and competitive success while managing losses and exposure
- Help deliver profitable growth through the development of both new strategies and the optimization of existing strategies for digital acquisition channel through the assessment of credit risk and P&L drivers
- Explore new areas of opportunity for incremental growth within the Digital channel through testing new scores, products, and test results
- Leverage information to deliver 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, Product, Campaign Execution, etc. to achieve effectiveness and efficiency and deliver on business goals
- Perform other duties as assigned
Position Requirements
- Bachelor's Degree in Economics, Finance, Business, Math, or related field
- 2-4 years' analytical experience in Banking, Finance, Insurance, or Gaming
- 2-4 years' advanced use of at least one of the following: Microsoft Access, SQL Server, Oracle, Python or SAS
- Intellectual horsepower with problem solving and analytical skills.
- Critical thinker with strong executive function and attention to detail.
- Self-starter, who can work independently with a high degree of organization and time-management on several projects at one time, turning data into strategy.
- Able to communicate complex ideas and information clearly.
- Strong knowledge of Microsoft tool suite (Excel, Word, PowerPoint, Visio).
- Knowledge of financial analysis and profitability drivers.
Preferred
- 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.
