Credit Analytics Manager
Responsibilities:
- Develop automated credit decisioning algorithms, including the maintenance and enhancement of existing algorithms in 18 countries, as well as, the development of new country algorithms. Specific duties include identifying and responding to user needs, ensuring acceptable approval rates (Commercial Viability Analysis), regression testing in UAT/QA environments, identify and prioritize enhancements, communicating specific rules / requirements to the IT department.
- Develop and maintain methodologies for key credit portfolio management and modeling assumptions including Probability of Default, Loss Given Default, and Loss Correlations. Contribute to development of rating tools, scoring systems, and capital models. Incorporate payment data into credit algorithm
- Manage procurement of credit data including identification of business needs, establish and manage contracts with credit data vendors, manage data subscriptions within a budget, and make recommendations on alternative data providers
- Develop new algorithms and expand algorithms into European markets
- Drive the performance of local algorithms throughout the regions and engaging the engaging the region to understand local nuances and best practices
- Assess feedback across the global and incorporate feedback into algorithms to enhance the model
Requirements:
- At least 3-5 years of experience in international credit analysis. Bank credit trained a plus
- Bachelors degree required. Advanced degree in Mathematics, Economics, Finance and or Engineering preferred
- Prior experience with automated decisioning systems or rules engines (Blaze experience preferably)
- Experience with credit scoring models and credit risk algorithms
- Experience with international Trade credit a plus
- Strong math and/or statistical analysis skills (capital modeling, SaaS, SPSS)
Leadership Skills:
- Results orientation
- Strong influencing and communications skills and ability to gather business requirements from users and articulate to IT developers
- Project Management/Delivery
- Strong initiative and process orientation to lead projects and drive for impact
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