Associate Director, Credit Analytics

3 days ago

Baltimore, Maryland, United States SoTalent Full time

Associate Director – Credit & Operations Analytics


Full-Time | Leadership Role

We are seeking a highly analytical and experienced
Associate Director
to join our Operations Analytics team. This role focuses on driving insights, strategy, and optimization across consumer and auto lending, leveraging data to improve credit underwriting, pricing, and business growth.

Key Responsibilities

  • Lead design, recommendation, and execution of credit underwriting and pricing strategies using historical customer performance data.
  • Define project scope, goals, and deliverables in collaboration with stakeholders.
  • Manage small to medium projects or major components of large projects, applying established methodologies.
  • Identify risks, implement contingency plans, and communicate expectations to teams and stakeholders.
  • Use analytics tools (SAS, R, SQL, Python, MATLAB) and decision tree software for insights and modeling.
  • Leverage regression and machine learning models to understand customer behaviors and drive profitable growth.
  • Present analyses and recommendations to leadership, influencing strategic decisions.
  • Develop team members, manage priorities, and foster a high-performing analytical team.

Qualifications

  • Bachelor's degree in Engineering, Statistics, Economics, Business Management, Computer Science, or similar; advanced degree a plus.
  • 6+ years of risk underwriting experience in personal loans or cards; minimum 3 years in auto lending.
  • 2+ years of people management or leadership experience preferred.
  • Advanced analytical and modeling skills, with experience in SAS, SQL, R, or Python.
  • Experience with decision tree analyses, segmentation tools, and cross-functional collaboration.
  • Innovative problem-solving skills and strategic thinking.

What We Offer

  • Competitive salary and career growth opportunities.
  • Hybrid working model to support work-life balance.
  • Health and wellbeing benefits (medical, dental, vision, life insurance).
  • Retirement plan with employer match.
  • Paid time off, holidays, and volunteer days.
  • Tuition reimbursement and professional development support.

Industry:
Financial Services / Consumer Lending / Auto Loans

Work Model:
Hybrid (Irving, TX – office + remote flexibility)

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