Senior Portfolio Data Analyst Credit Card

What you will do:

• Lead the development and enhancement of a comprehensive risk management framework specifically tailored for credit card portfolios.
• Conduct in-depth analysis of credit card portfolio performance metrics, identifying trends, risk factors, and opportunities for optimization.
• Utilize advanced statistical techniques to understand credit card customer behavior, credit risk, and portfolio dynamics.
• Develop and refine key risk indicators (KRIs) and performance metrics for ongoing monitoring of credit card portfolios.
• Provide strategic insights and recommendations to senior management based on analytical findings, contributing to decision-making processes related to credit risk management.
• Collaborate cross-functionally with risk management, compliance, finance, and product teams to ensure alignment on risk strategy and compliance with regulatory requirements.

What we are looking for:

• Bachelors degree in Statistics, Mathematics, Economics, Finance, or a related quantitative field. Advanced degree (e.g., Masters) preferred.
• 5-8 years of progressive experience in risk analytics within consumer credit, with a strong focus on credit card portfolios.
• Expertise in programming languages such as Python, R, or SQL for data manipulation and statistical analysis.
• Proven ability to interpret complex data sets and derive actionable insights relevant to credit card risk management.
• Excellent communication skills with the ability to present complex concepts and recommendations to stakeholders at various levels of the organization.
• Understanding of credit risk modeling techniques, including scorecard development, stress testing, and portfolio optimization is a plus