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Manager Credit Card Risk
2 weeks ago
MANAGER CREDIT CARD RISK
WHAT IS THE OPPORTUNITY?
The Mgr Credit Card Risk position will manage the Account and Credit Line strategies for existing consumer and commercial card portfolios and will forecast and analyze credit card delinquency, roll rates and losses. This position will ensure all account and line management processes are optimized through complex analytics. The Credit Card Risk Manager position will develop credit risk modeling, and predictive credit risk modeling, scoring and analytics to support the credit risk, collections, fraud, sales and marketing functions.
WHAT WILL YOU DO?
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To enhance credit card portfolio performance, this position will analyze portfolio trends, credit score cutoffs, loss trends, portfolio dynamics, and bureau scoring criteria. Will develop more complex program models to extract data and use databases to provide statistical and financial modeling to minimize risk and reduce charge-offs. Understand data relevant to Line units and set strategies accordingly.
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Assist in the development of a new consumer credit card program, which includes the No Pre-Set Spending Limit (NPSL) feature from Visa. Identify cardholders for upgrading and provide active account management.
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Coordinate the production of performance reports for Sr. Management. Must be able to effectively communicate performance results, performance updates and key initiatives to senior risk management personnel.
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This position will design, develop and implement account management strategies and will develop metrics and reporting to assess their effectiveness in order to reduce and optimize and the management of credit card charge-offs.
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Responsible and accountable for appropriate quality controls related to the financial products the bank provides, the services the bank delivers, the processes employed and the incentives with which colleagues are awarded.
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All City National products, financial solutions and services are to be provided ethically and with integrity in a manner that is consistent with the client-first culture and values embodied in City National's PRIDE statement.
WHAT DO YOU NEED TO SUCCEED?
Required Qualifications*
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Bachelor's Degree or equivalent
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8 years of experience analyzing credit card portfolios
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6 years experience with SQL and relationship databases
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Previous experience implementing Visa Signature NPSL program
Additional Qualifications
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Masters degree and at least nine years of experience analyzing credit card portfolios preferred.
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Extensive experience required in risk policy, analytic and segmentation/ targeting strategies using credit bureau and demographic data.
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Strong Analytical and problem solving skills required. Experience in Credit Policy development, and risk management strategies is an added plus.
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Extensive knowledge of SQL and relationship databases such as BRIO and Access. Knowledge of FIS and/or TSYS preferred. Computer literacy with MS Office software is critical.
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Must be self-motivated, have strong interpersonal skills, good leadership skills, excellent project/process management and communication skills, and possess a results driven attitude committed to producing superior quality work product.
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Must have strong organizational skills, have strong multitasking ability, an ability to learn and apply new skills quickly, and be able to work effectively in a collaborative working environment.
WHAT'S IN IT FOR YOU?
CompensationStarting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
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Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
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Generous 401(k) company matching contribution
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Career Development through Tuition Reimbursement and other internal upskilling and training resources
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Valued Time Away benefits including vacation, sick and volunteer time
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Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
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Career Mobility support from a dedicated recruitment team
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Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our https://careers.cnb.com/benefits.
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at https://www.cnb.com/about-us.html.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
