Current jobs related to Consumer Lending Credit Risk Analyst - Wilmington, Delaware - Goldman Sachs

  • Credit Risk Strategy Associate

    2 months ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    POSITION OVERVIEWThe Consumer and Wealth Management (CWM) division at Goldman Sachs is dedicated to empowering clients globally to achieve their financial aspirations. Our wealth management services encompass financial planning, investment management, and banking solutions tailored for a diverse clientele, including high net worth individuals and corporate...

  • Credit Risk Strategy Associate

    2 months ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    ABOUT THE ROLE:Consumer and Wealth Management (CWM)Goldman Sachs is dedicated to assisting clients and customers globally in achieving their financial aspirations. Our advisor-led wealth management services encompass financial planning, investment management, banking, and comprehensive guidance for a diverse clientele, including ultra-high net worth...

  • Credit Risk Strategy Associate

    2 months ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    ABOUT THE ROLE:Consumer and Wealth Management (CWM)Goldman Sachs is dedicated to assisting clients and customers globally in achieving their financial aspirations. Our advisor-led wealth management services encompass financial planning, investment management, banking, and comprehensive advice tailored to a diverse clientele, including ultra-high net worth...

  • Credit Risk Analyst

    4 weeks ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About This RoleWe are seeking a highly skilled Credit Risk Analyst to join our Consumer and Wealth Management (CWM) division at Goldman Sachs. As a key member of our Credit Risk Strategy team, you will play a critical role in developing and implementing underwriting strategies for our digital lending business.ResponsibilitiesDevelop and maintain credit...

  • Credit Risk Strategy Associate

    3 days ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About This RoleIn Goldman Sachs Bank USA, we offer a wide range of solutions to help our customers meet their financial goals. Our teams seek to provide the highest level of customer service and support in everything we do. The Bank offers high yield savings accounts and a variety of loan products to individuals and private bank, corporate and community...

  • Credit Risk Strategy Associate

    2 months ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About Goldman SachsGoldman Sachs is a leading global investment banking, securities and investment management firm. Our Consumer and Investment Management Division includes Goldman Sachs Asset Management, Private Wealth Management and our Consumer business (Marcus by Goldman Sachs).Job SummaryWe are seeking a skilled Credit Risk Strategy Associate to join...

  • Credit Risk Strategy Associate

    2 weeks ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About This RoleWe are seeking a highly skilled Credit Risk Strategy Associate to join our team at Goldman Sachs. As a key member of our Credit Risk Strategy team, you will be responsible for developing, implementing, and maintaining the underwriting strategy for our consumer lending business.Key ResponsibilitiesDevelop and implement credit underwriting...

  • Credit Risk Strategy Associate

    6 days ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    Job SummaryWe are seeking a highly skilled Credit Risk Strategy Associate to join our team in Delaware. As a key member of our Credit Risk Strategy team, you will be responsible for developing, implementing, and maintaining the underwriting strategy for our consumer lending business. You will analyze data to generate insights and optimize credit decisions,...

  • Credit Risk Associate

    4 weeks ago

    Wilmington, Delaware, United States Goldman Sachs Bank USA Full time

    Job Title: Associate, Credit RiskJoin Goldman Sachs Bank USA in Wilmington, Delaware, as a Credit Risk Associate. This role involves actively managing credit risk for unsecured lending products. Key responsibilities include designing and writing data queries to extract and organize data from multiple sources and systems. A Bachelor's degree is required.Key...

  • Credit Risk Strategy Associate

    2 weeks ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About This RoleWe are seeking a highly skilled Credit Risk Strategy Associate to join our team at Goldman Sachs. As a key member of our Consumer and Wealth Management division, you will play a critical role in developing and implementing credit underwriting strategies for our digital lending products.ResponsibilitiesDevelop and maintain credit underwriting...

  • Credit Risk Strategy Associate

    3 days ago

    Wilmington, Delaware, United States Goldman Sachs Full time

    About This RoleAt Goldman Sachs, we are committed to empowering our clients and customers around the world to reach their financial goals. Our Consumer and Wealth Management (CWM) division provides financial planning, investment management, banking, and comprehensive advice to a wide range of clients.Job SummaryWe are seeking a highly skilled Credit Risk...

  • Lead Risk Analyst

    4 weeks ago

    Wilmington, Delaware, United States OneMain Financial Full time

    Lead Analyst, Risk ExecutionWe are seeking a highly skilled professional to join our Risk Development team in Wilmington, DE as a Lead Analyst.In this role, you will play a pivotal part in the implementation and optimization of credit risk strategies and models across both our proprietary platforms and external partner channels.You will leverage your...

  • Senior Risk Analyst

    7 days ago

    Wilmington, Delaware, United States OneMain Financial Full time

    Risk Development LeadWe are seeking a highly skilled professional to join our Risk Development team as a Lead Analyst. In this role, you will play a pivotal part in the implementation and optimization of credit risk strategies and models across our proprietary platforms and external partner channels. You will leverage your technical expertise to translate...

  • Senior Risk Analyst

    3 days ago

    Wilmington, Delaware, United States OneMain Financial Full time

    Risk Development Team MemberWe are seeking a highly skilled professional to join our Risk Development team as a Lead Analyst.In this role, you will play a pivotal part in the implementation and optimization of credit risk strategies and models across both our proprietary platforms and external partner channels.You will leverage your technical expertise to...

  • Senior Credit Risk Manager

    2 weeks ago

    Wilmington, Delaware, United States Hispanic Technology Executive Council Full time

    Job SummaryThe Vice President, Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.Key ResponsibilitiesDevelop credit strategies to drive improvements on Acquisitions program...

  • AVP Consumer Loan Officer II

    2 weeks ago

    Wilmington, Delaware, United States Bancorp Bank, The Full time

    Job SummaryWe are seeking a highly skilled AVP Consumer Loan Officer II to join our team at The Bancorp Bank, N.A. This role will be responsible for developing and servicing complex consumer loans, including Securities Backed Lines of Credit (SBLOC) and Insurance Backed Lines of Credit (IBLOC).Key ResponsibilitiesProcess and document securities and insurance...

  • AVP Consumer Loan Officer II

    7 days ago

    Wilmington, Delaware, United States Bancorp Bank, The Full time

    Job Summary:This role is responsible for developing and servicing complex consumer loans, including Securities Backed Lines of Credit (SBLOC) and Insurance Backed Lines of Credit (IBLOC).Key Responsibilities: Processes and documents securities and insurance backed lines of credit (SBLOC and IBLOC) for various clients. Enters application details in relevant...

  • VP/Director, Credit and Pricing Analytics Leader

    3 days ago

    Wilmington, Delaware, United States OneMain Financial Full time

    Job SummaryWe are seeking a highly skilled Vice President/Director of Credit and Pricing Analytics to lead our team in driving credit policy, offer strategy, and overall analytics for our growing Point-of-Sale/embedded lending business. This individual will be responsible for developing and implementing strategies to optimize risk-adjusted returns, working...

  • AVP Consumer Loan Officer II

    3 days ago

    Wilmington, Delaware, United States Bancorp Bank, The Full time

    Job Summary:We are seeking a highly skilled AVP Consumer Loan Officer II to join our team at The Bancorp Bank, N.A. This role will be responsible for developing and servicing complex consumer loans, including Securities Backed Lines of Credit (SBLOC) and Insurance Backed Lines of Credit (IBLOC).Key Responsibilities:Process and document securities and...

  • Lead Risk Analyst

    4 weeks ago

    Wilmington, Delaware, United States OneMain Financial Full time

    Lead Risk Analyst - Credit RiskWe are seeking a highly skilled professional to join our Risk Development team as a Lead Risk Analyst. In this role, you will play a pivotal part in the implementation and optimization of credit risk strategies and models across our proprietary platforms and external partner channels. You will leverage your technical expertise...

Consumer Lending Credit Risk Analyst

2 months ago

Wilmington, Delaware, United States Goldman Sachs Full time

ABOUT THIS POSITION:

At Goldman Sachs Bank USA, we provide a comprehensive array of solutions designed to assist our clients in achieving their financial aspirations. Our dedicated teams strive to deliver exceptional customer service and support in all our endeavors. The Bank features high-yield savings accounts alongside a variety of loan offerings tailored for individuals and corporate clients.

Consumer and Wealth Management (CWM)

Goldman Sachs empowers clients globally through its Consumer and Wealth Management (CWM) division, helping them realize their financial objectives. Our wealth management services, led by experienced advisors, encompass financial planning, investment management, and banking solutions, catering to a diverse clientele including high-net-worth individuals and corporations. Our consumer division provides innovative digital solutions, enabling clients to manage their spending, borrowing, investing, and saving effectively.

Consumer Division Overview

The Consumer division, known as Marcus by Goldman Sachs, merges the innovative drive of a startup with over 150 years of industry expertise. We serve millions of customers through various products, including lending, deposits, and financial tools, in collaboration with partners like Apple on the Apple Card. Our focus on design, data, and engineering allows us to offer customers valuable and transparent financial products.

Key Responsibilities and Qualifications:

Your Contribution

The Credit Risk Strategy team is responsible for formulating, executing, and refining the underwriting and customer management strategies for our consumer lending operations. We utilize a mix of traditional, alternative, and behavioral data to develop underwriting policies that ensure optimal risk-adjusted returns. Collaboration with marketing, decision sciences, product, and technology teams is essential to create a customer-centric product experience.

Your Role

If you are enthusiastic about data analysis and strategy development, we invite you to join our Credit Risk Strategy team. Your expertise will be instrumental in shaping the credit strategy for our digital consumer lending initiatives.

How You Will Achieve Success

  • Formulate and maintain the credit underwriting strategy for digital lending products.
  • Analyze diverse data sets using statistical tools to derive insights and enhance credit decision-making.
  • Refine customer management strategies to boost profitability at the individual customer level.
  • Collaborate with marketing, finance, and operations teams to ensure effective implementation of credit policies.
  • Evaluate potential vendors and data providers to enhance credit management strategies continuously.
  • Stay informed on relevant regulations and compliance requirements, interacting with regulators as necessary.
  • Prepare analytical reports and presentations for senior management and regulatory reviews.

Desired Skills and Experience

  • Bachelor's degree (Master's preferred) in Mathematics, Statistics, Economics, Engineering, or a related discipline.
  • 2+ years of experience in a similar role or quantitative research position for analysts; 5+ years for associates.

Essential Experience Includes:

  • Experience in risk management within digital consumer or small business lending sectors.
  • Familiarity with U.S. credit bureau data and risk scorecards.
  • Proficiency in statistical modeling using SAS, R, Python, or similar tools.
  • Advanced skills in Microsoft Office, particularly Excel, PowerPoint, and Word.
  • Ability to visualize complex data analyses and communicate findings effectively.
  • Experience in developing risk management reports using SQL or similar database languages.
  • Capability to manage multiple projects and ensure timely delivery.
  • Experience in creating policy and procedural documentation for credit risk strategies.
  • Expertise in developing and automating quality control processes for credit strategy execution.

ABOUT GOLDMAN SACHS:

Goldman Sachs is dedicated to leveraging our people, capital, and ideas to foster growth for our clients, shareholders, and communities. Established in 1869, we are a premier global investment banking, securities, and investment management firm, with a commitment to diversity and inclusion within our workforce. We provide numerous opportunities for professional and personal development, ensuring that every individual has the resources to thrive.