Credit Risk Strategy Associate

4 weeks ago

Wilmington, Delaware, United States Goldman Sachs Full time

About This Role

In 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 clients. Our savings products include an online savings account and certificates of deposit in a variety of terms.

Consumer and Wealth Management (CWM)

Across Consumer and Wealth Management (CWM), Goldman Sachs helps empower clients and customers around the world reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients, including ultra-high net worth and high net worth individuals, as well as family offices, foundations and endowments, and corporations and their employees. Our consumer business provides digital solutions for consumers to better spend, borrow, invest, and save. Across CWM, our growth is driven by a relentless focus on our people, our clients and leading-edge technology, data and design.

The Credit Risk Strategy Team

The Credit Risk Strategy team develops, implements and maintains the underwriting strategy as well as customer management strategies for the consumer lending business at Goldman Sachs. We leverage traditional, alternative and behavioral data to create an underwriting policy that helps ensure risk-adjusted returns. We work extensively with the marketing, decision sciences, product and technology teams to help create a product and experience that puts the customer at the center. We look for individuals with strong problem solving and analytical skills, innovative thinking and intellectual curiosity who want to make an immediate impact on the credit strategy and help the business manage risk effectively.

Your Impact

As a Credit Risk Strategy Associate, you will be responsible for developing, implementing and maintaining credit underwriting strategy for digital lending products. You will analyze data using statistical tools and analytical techniques to generate insights and optimize credit decisions. You will also build and optimize existing customer management strategies to improve customer level profitability. Additionally, you will partner with marketing, finance and operations teams to ensure appropriate execution of credit policy requirements.

Requirements

  • Bachelors (Masters preferred) degree in Mathematics, Statistics, Economics, Engineering or a related field.
  • 2+ years of experience in the job offered or in a quantitative research position for analyst and 5+ years of experience for associates.

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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