Credit Risk Strategist

1 week ago


Phoenix, Arizona, United States Sumitomo Mitsui Banking Corp Full time

We are seeking a seasoned Credit Risk Analyst to support the development and management of Credit Risk Strategies for our Unsecured Personal Loans product. As a key member of our team, you will assist in building, managing, and implementing credit strategies, including onboarding, verification, pricing, and loan assignment, as well as testing strategies across various marketing channels and loan purposes.

The ideal candidate will have a strong background in credit risk management, with experience in consumer credit risk or similar quantitative roles. You will be proficient in Python, SQL, and R, with advanced skills in Microsoft Office, specifically Excel, PowerPoint, and Word. Experience with BI tools, such as Tableau or Looker, is also a plus.

As a Credit Risk Analyst, you will work closely with cross-functional partners across Marketing, Product, Technology, and Operations to shape and contribute to growth initiatives. You will also assist with ensuring internal controls documentation is maintained completely and accurately.

We offer a competitive portfolio of benefits to our employees, including a comprehensive compensation package, health insurance, and retirement savings plan. If you are a motivated and detail-oriented individual with a passion for credit risk management, we encourage you to apply for this exciting opportunity.

Key Responsibilities:

  • Develop data-driven credit underwriting strategies using traditional and alternate data sources
  • Manage credit strategy enhancements within area of responsibility and make compelling recommendations based on sound credit risk management principles, cost-benefit analysis, and customer experience
  • Develop policy and procedures for credit strategy execution, including monitoring and controls to ensure intended execution of credit strategies
  • Partner with Marketing, Product, Operations, and Technology teams to ensure smooth execution and all key control requirements are met
  • Develop credit strategies to support partner initiatives, including changes to product strategy, marketing channels, and partnership opportunities
  • Partner with data science team to explore new approaches, tools, and data sources to support improvements to credit strategies
  • Develop necessary monitoring and analytical reports to track credit risk KPIs and present insights to senior management
  • Develop a robust testing agenda to optimize and expand the business
  • Ensure robust loss forecasting and that all credit strategy work aligns with Firm's credit risk appetite
  • Ensure compliance with policies and requirements for all assigned responsibilities


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