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Credit Risk Strategy Associate
2 months ago
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 are committed to delivering exceptional customer service and support in all our endeavors. The Bank features high-yield savings accounts alongside a variety of lending products tailored for individuals, private banking, corporate entities, and community clients.
Consumer and Wealth Management (CWM)
Within Consumer and Wealth Management (CWM), Goldman Sachs empowers clients globally to realize their financial objectives. Our advisor-led wealth management services encompass financial planning, investment management, banking, and holistic advice for a diverse clientele, including ultra-high net worth and high net worth individuals, family offices, foundations, endowments, and corporations with their employees. Our consumer division offers digital solutions that enable consumers to spend, borrow, invest, and save more effectively. Our growth is propelled by an unwavering focus on our personnel, our clients, and cutting-edge technology, data, and design.
Consumer Division
The Consumer division, Marcus by Goldman Sachs, merges the innovative spirit of a startup with over 150 years of expertise. We currently serve millions of clients across various products, including lending, deposits, financial tools, and our collaboration with Apple on the Apple Card. We leverage innovative design, data, engineering, and other core competencies to deliver powerful tools and products that emphasize value, transparency, and simplicity. As we strive to establish a leading digital consumer bank and expand into new products and partnerships, we seek leaders and contributors to join our team.
YOUR ROLE:
The Credit Risk Strategy team is responsible for developing, implementing, and maintaining the underwriting and customer management strategies for our consumer lending operations. We utilize traditional, alternative, and behavioral data to formulate an underwriting policy that ensures risk-adjusted returns. Collaboration with marketing, decision sciences, product, and technology teams is essential to create a customer-centric product and experience. We are looking for individuals with strong analytical skills, innovative thinking, and intellectual curiosity who aspire to make a significant impact on credit strategy and effectively manage risk.
YOUR CONTRIBUTION:
- Design, implement, and uphold credit underwriting strategies for digital lending products.
- Analyze various data sources (traditional and alternative bureau, behavioral & macroeconomic data) using statistical tools and analytical methods to derive insights and enhance credit decisions (accept/decline, pricing, and credit line).
- Enhance existing customer management strategies to boost customer-level profitability.
- Collaborate with marketing, finance, and operations teams to ensure proper execution of credit policy requirements.
- Evaluate potential vendors/data providers for added value in credit management strategies within a continuous improvement framework.
- Stay informed on relevant regulations and compliance requirements, including interactions with internal and external regulators.
- Prepare analytical reports and presentations for senior management, executive committees, and regulatory examinations.
QUALIFICATIONS:
- Bachelor's degree (Master's preferred) in Mathematics, Statistics, Economics, Engineering, or a related field.
- 2+ years of experience in a similar role or in a quantitative research position for analysts, and 5+ years for associates.
REQUIRED EXPERIENCE:
- Experience in building, enhancing, or analyzing risk management in digital consumer or small business lending, or similar data-driven sectors like insurance.
- Familiarity with U.S. credit bureau data, risk scorecards, and ability-to-pay assessments.
- Proficiency in SAS, R, Python (or similar) for statistical modeling and time-series data analysis.
- Advanced skills in Microsoft Office, particularly Excel (including pivot tables, logic functions, data tables, and regression analysis), PowerPoint, and Word.
- Ability to visualize complex data analyses and communicate findings to diverse audiences, including senior leadership.
- Experience in developing comprehensive risk management reports using SQL or similar database query languages for extracting data from large datasets.
- Capability to manage multiple projects simultaneously and drive end-to-end project delivery.
- Experience in creating policy and procedure documentation for credit risk strategy execution.
- Experience in developing and automating quality control processes to ensure the effective execution of credit strategies.
ABOUT GOLDMAN SACHS:
Goldman Sachs is dedicated to leveraging our people, capital, and ideas to assist our clients, shareholders, and the communities we serve in achieving growth. Established in 1869, we are a premier global investment banking, securities, and investment management firm with a worldwide presence. We believe that individual diversity enhances our collective performance. Our commitment to fostering diversity and inclusion within our workplace and beyond ensures that every individual has ample opportunities for professional and personal growth through training, development, and wellness programs.
