Risk Analyst

1 day ago

Dallas, Texas, United States Goldman Sachs Full time
About the Role

We are seeking a highly skilled Credit Risk Associate to join our team at Goldman Sachs. As a key member of our Credit Risk division, you will play a critical role in analyzing and managing credit risk across our consumer and small business lending portfolios.

Responsibilities
  • Support senior leadership in assessing data availability, sufficiency, and reporting needs across business units and the Credit department.
  • Design and write data queries to extract credit data from credit systems, conduct analysis of portfolio performance, and summarize findings to recommend changes.
  • Identify existing and emerging drivers of risk in a portfolio to drive guardrail design and proactive management of the portfolio.
  • Create guardrails/thresholds across various dimensions to monitor portfolio performance.
  • Provide support for portfolio credit risk oversight and governance by tracking actual performance of risk appetite and credit risk management metrics against approved guardrails.
  • Develop analytical reports and presentations for senior management, executive committees, and regulatory exams.
  • Stay up-to-date on applicable regulations and compliance requirements in consumer lending and provide support to Senior Leadership during interactions and updates to internal and external regulators.
  • Adhere strictly to compliance and operational risk controls in accordance with company and regulatory standards, policies, and practices.
  • Address internal audit requirements and findings in a timely and appropriate manner.
Requirements
  • Strong quantitative/analytics skills with a Master's degree in a quantitative discipline such as Mathematics, Statistics, Engineering, Data Science/Analytics, or a related field.
  • 3+ years of experience in a related industry, with prior work and academic experience including building, improving, or analyzing risk policies, credit underwriting, and collections in consumer or small business lending or similar data-driven industries.
  • Experience in consumer and small business lending, with expertise in credit bureau data and familiarity with alternate credit-related data sources.
  • Utilizing knowledge of U.S. credit bureau data, Risk Scorecards to drive analysis and outcome.
  • Using statistical packages like SQL, SAS, R, Python, etc., tools to mine, manipulate, and aggregate complex consumer and transaction-level data on big data platforms such as Hadoop, Spark, etc.
  • Using complex statistical techniques such as decision trees, regression modeling, machine learning, testing techniques, and time series data analysis techniques.
  • Visualizing information/trends from raw and complex data using visualization tools such as Tableau, and communicating results to a wide variety of audiences.
  • Strong writing, presentation, and communication skills; technical writing and documentation experience desired.
  • Strong project management/organizational skills and the ability to manage multiple assignments concurrently across various stakeholders.
  • Ability to do end-to-end project delivery.
About Goldman Sachs

At Goldman Sachs, we commit our people, capital, and ideas to help our clients, shareholders, and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities, and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness, and personal finance offerings and mindfulness programs.

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