Senior Credit Risk Analyst

8 hours ago

Eden Prairie, Minnesota, United States Bluestem Brands Full time
About the Role

Fingerhut is seeking a highly skilled Sr./Lead Credit Risk Analyst to join our team. As a key member of our risk management team, you will play a critical role in identifying and mitigating risks to the organization.

Key Responsibilities
  • Design and implement complex account management or acquisition strategies using innovative methodologies to drive user growth and engagement.
  • Identify and manage risk/return trade-offs in the subprime space, design and monitor champion/challenger performance, monitor custom scorecards, update segmentation, investigate additional benefits of alternative data sources/scorecards, and perform ad-hoc analysis as needed.
  • Monitor portfolio as well as macroeconomic trends impacting loan performance, drive adjustments to our underwriting and marketing strategies to mitigate risk.
  • Partner with internal and external stakeholders to ensure data is accurate, available in a timely manner, updated as part of new initiatives, understood by other interested parties, and can be extracted/analyzed quickly, while working to remediate any issues that arise.
  • Leverage advanced data analytics to derive insights and optimize credit strategies.
  • Proactively work with external data sources and third-party data providers to evaluate new scores, lead the development of new custom models, and work to establish strong relationships with internal stakeholders and influence leaders where change needs to support new business policies and strategies.
  • Mentor, coach, and develop more junior-level team members.
  • Leverage SQL/SAS to pull data and analyze results.
Requirements
  • Bachelor's degree in a technical discipline or business field (Statistics, Finance, Engineering, Information Systems, etc.) or High School Diploma with 9+ years industry experience.
  • 5+ years' experience with SAS or similar programming language.
  • 5+ years' experience in an analytics/modeling/reporting role.
  • Advanced knowledge of decision trees and Excel.
Preferred Qualifications
  • Master's degree or CFA.
  • Experience in credit risk or financial services industries.
  • Exposure to SQL.
  • Extensive experience with large data sets aggregated from multiple sources; enthusiasm for working on technically complex analysis.
  • Demonstrated ability to collaborate and influence across different teams in the organization.
  • Experience leading, motivating, and developing team members.
  • Strong written and verbal communication skills; ability to summarize and communicate results from complex analysis clearly; experience presenting to senior leadership or non-technical audience.
  • Analytical and results-oriented, independent thinker, and strong problem solver.
  • Experience analyzing and interpreting rules, regulations, and policies.
About Fingerhut

Fingerhut is a long-standing fintech company that fuses extensive years of data modeling and real-time analytics through machine learning to provide flexible payment options for our valued customers looking to establish, build, or rebuild credit. Qualifying customers use their accounts for e-commerce purchases for everything they and their family need across a broad selection of national brands.

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