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Credit Risk Strategy Associate

2 months ago

Wilmington, Delaware, United States Goldman Sachs Full time

ABOUT THE ROLE:

Consumer and Wealth Management (CWM)

Goldman Sachs is dedicated to assisting clients and customers globally in achieving their financial aspirations. Our wealth management services encompass financial planning, investment management, banking, and comprehensive advisory for a diverse clientele, including ultra-high net worth individuals, family offices, foundations, endowments, and corporations. Our consumer division offers digital solutions designed to enhance spending, borrowing, investing, and saving experiences. Our growth is propelled by a steadfast commitment to our people, clients, and innovative technology.

CONSUMER DIVISION

Marcus by Goldman Sachs embodies the innovative spirit of a startup, backed by over 150 years of industry experience. We cater to millions of customers through various offerings, including lending, deposits, and financial tools, in collaboration with partners like Apple on the Apple Card. Our approach leverages cutting-edge design, data, and engineering to deliver impactful tools and products that prioritize value, transparency, and simplicity. We are seeking talented professionals to contribute to our evolving digital consumer banking landscape.

KEY RESPONSIBILITIES:

The Credit Risk Strategy team is responsible for developing, implementing, and maintaining underwriting strategies and customer management approaches for our consumer lending operations. We utilize a combination of traditional, alternative, and behavioral data to formulate an underwriting policy that ensures optimal risk-adjusted returns. Collaboration with marketing, decision sciences, product, and technology teams is essential to create a customer-centric product and experience.

YOUR CONTRIBUTION:

If you have a passion for data analysis and strategy development, we invite you to consider a role within our Credit Risk Strategy team. You will leverage your skills to shape the credit strategy for our digital consumer lending operations.

HOW YOU WILL MAKE AN IMPACT:

  • Design, implement, and sustain credit underwriting strategies for digital lending products.
  • Analyze various data sources (traditional and alternative bureau, behavioral & macroeconomic data) using statistical tools to derive insights and enhance credit decision-making.
  • Refine existing customer management strategies to boost profitability at the customer level.
  • Collaborate with marketing, finance, and operations teams to ensure effective execution of credit policy requirements.
  • Evaluate potential vendors/data providers for additional value in credit management strategies.
  • Stay informed on relevant regulations and compliance requirements, engaging with internal and external regulators as necessary.
  • Prepare analytical reports and presentations for senior management and regulatory examinations.

QUALIFICATIONS:

  • Bachelor's degree (Master's preferred) in Mathematics, Statistics, Economics, Engineering, or a related discipline.
  • 2+ years of experience in a similar role or in quantitative research for analysts, with 5+ years for associates.

REQUIRED EXPERIENCE:

  • Experience in risk management within digital consumer or small business lending, or related data-driven sectors.
  • Proficiency in U.S. credit bureau data, risk scorecards, and ability-to-pay assessments.
  • Experience with statistical modeling and time-series data analysis using SAS, R, Python, or similar tools.
  • Advanced skills in Microsoft Office, particularly Excel (including pivot tables, logic functions, 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.
  • Proven ability to manage multiple projects and drive project delivery from start to finish.
  • Experience in creating policy and procedure documentation for credit risk strategy execution.
  • Ability to develop and automate quality control processes to ensure the effective execution of credit strategies.

ABOUT GOLDMAN SACHS:

Goldman Sachs is a leading global investment banking, securities, and investment management firm, committed to helping clients, shareholders, and communities thrive. We prioritize diversity and inclusion, providing opportunities for professional and personal growth through various training, development, and wellness programs.