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Consumer Product Strategy Anlayst III-Credit

Jacksonville, Florida;

Job Description:

Responsible for performing more complex analysis for multiple products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Develops complex programs to extract data and uses multiple databases to acquire statistical and financial data. Utilizes portfolio trends to propose policy/procedural changes within segmentation structure to produce optimal results. Excels at risk/reward trade off. Build relationships with external agencies. Participates in the rollout of company-wide pilot programs developed as a result of programmed models. Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors. SAS and/or SQL experience preferred; 2-5 years experience preferred.

LOB Job Description: Manage and perform strategic analyses to improve portfolio risk, profitability, origination and performance analysis and operational performance for the Consumer Vehicle Lending channel, including Core and Flow channels. Responsibilities may include reviewing variances to projections or forecasts for credit losses and loan balance liquidation at the vintage level.  Requires pulling and validating data on one's own using advance programming tools.

Generating results against risk limits and targets in alignment with a risk appetite, credit policy metrics or strategy governance. Requires interaction with business partners in Credit, Sales, Product, Servicing, GT&O, Finance, Risk and Compliance to present results and understand issues impacting the business, communication skills must be strong. Reviewing and monitoring loan origination quality for senior management; identifying and analyzing trends based on economic, market and portfolio conditions, recommending credit strategy changes for loan purchase or underwriting as it relates to credit strategies for Auto or RV loans (feedback loop). Ability to deal with data at the element or aggregated level. Responsible for documentation development, including writing system requirements, actively participating in design meetings and guiding credit strategy changes.  Support implementation, testing and training of Credit Strategy changes for Consumer Products including UCRA assessments. Participate and possibly provide data or analytical input for audits, credit review or government exams. Strong aptitude to interpret numeric trends through a comprehensive understanding of data in consumer lending. Demonstrates resilience for change. Self starter with a results driven mentality. 3+ years Credit Strategy Analysis experience preferred.

Required Skills:

  • 3+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
  • Expertise in MS Office for excel and PowerPoint.
  • Experience with a programming language such as SQL, SAS.
  • Ability to develop quantitative output using appropriate tools against numerous large data-sets for identifying and optimizing key business metrics of credit default risk, prepayment risk or collateral recovery risk with a proven ability to interpret results and communicate findings candidly and crisply to senior leadership.
  • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
  • Ability to independently drive strategic improvements while adhering to and successfully navigating established governance routines.
  • Ability to effectively analyze origination concentrations and trends, optimize profit of new application volume within expected risk tolerances, and proactively identify opportunities to support existing or new business strategies.
  • Ability to translate analytics into business requirements, complete a UCRA, and usher that change through system implementation including UAT support and procedures development.
  • Proactive with intellectual curiosity towards the business and data trends. Willing to take the next step or ability to predict the next step with little direction and oversight.

Desired Skills:

  • Bachelor's degree and/or Master’s degree in a quantitative discipline is preferred or equivalent job experience.
  • A solid working knowledge of statistical and/or financial analyses and the proven ability to apply that knowledge to business data and strategies.
  • An understanding of general financial concepts (IRR, ROE, ROA, RAS, RANIM, RAM, etc…) and an understanding of credit/collateral based concepts such as FICO, credit scores, LTV%, accept/reject, term, DTI/PTI.
  • Logically solve problems in an expedient manner.
  • Proven history of using good planning and process management skills, able to run several analytical projects independently at the same time and prioritize within given guidelines.
  • Very strong written and verbal communication skills.  Strong negotiation skills.
  • Ability to manage across multiple functional areas as well the ability to influence others at all levels of the organization and external partners.
  • Positive attitude towards change and ability to think out of the box to solve business questions.

Job Band:

H5

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

Responsible for performing more complex analysis for multiple products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Develops complex programs to extract data and uses multiple databases to acquire statistical and financial data. Utilizes portfolio trends to propose policy/procedural changes within segmentation structure to produce optimal results. Excels at risk/reward trade off. Build relationships with external agencies. Participates in the rollout of company-wide pilot programs developed as a result of programmed models. Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors. SAS and/or SQL experience preferred; 2-5 years experience preferred.

LOB Job Description: Manage and perform strategic analyses to improve portfolio risk, profitability, origination and performance analysis and operational performance for the Consumer Vehicle Lending channel, including Core and Flow channels. Responsibilities may include reviewing variances to projections or forecasts for credit losses and loan balance liquidation at the vintage level.  Requires pulling and validating data on one's own using advance programming tools.

Generating results against risk limits and targets in alignment with a risk appetite, credit policy metrics or strategy governance. Requires interaction with business partners in Credit, Sales, Product, Servicing, GT&O, Finance, Risk and Compliance to present results and understand issues impacting the business, communication skills must be strong. Reviewing and monitoring loan origination quality for senior management; identifying and analyzing trends based on economic, market and portfolio conditions, recommending credit strategy changes for loan purchase or underwriting as it relates to credit strategies for Auto or RV loans (feedback loop). Ability to deal with data at the element or aggregated level. Responsible for documentation development, including writing system requirements, actively participating in design meetings and guiding credit strategy changes.  Support implementation, testing and training of Credit Strategy changes for Consumer Products including UCRA assessments. Participate and possibly provide data or analytical input for audits, credit review or government exams. Strong aptitude to interpret numeric trends through a comprehensive understanding of data in consumer lending. Demonstrates resilience for change. Self starter with a results driven mentality. 3+ years Credit Strategy Analysis experience preferred.

Required Skills:

  • 3+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
  • Expertise in MS Office for excel and PowerPoint.
  • Experience with a programming language such as SQL, SAS.
  • Ability to develop quantitative output using appropriate tools against numerous large data-sets for identifying and optimizing key business metrics of credit default risk, prepayment risk or collateral recovery risk with a proven ability to interpret results and communicate findings candidly and crisply to senior leadership.
  • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
  • Ability to independently drive strategic improvements while adhering to and successfully navigating established governance routines.
  • Ability to effectively analyze origination concentrations and trends, optimize profit of new application volume within expected risk tolerances, and proactively identify opportunities to support existing or new business strategies.
  • Ability to translate analytics into business requirements, complete a UCRA, and usher that change through system implementation including UAT support and procedures development.
  • Proactive with intellectual curiosity towards the business and data trends. Willing to take the next step or ability to predict the next step with little direction and oversight.

Desired Skills:

  • Bachelor's degree and/or Master’s degree in a quantitative discipline is preferred or equivalent job experience.
  • A solid working knowledge of statistical and/or financial analyses and the proven ability to apply that knowledge to business data and strategies.
  • An understanding of general financial concepts (IRR, ROE, ROA, RAS, RANIM, RAM, etc…) and an understanding of credit/collateral based concepts such as FICO, credit scores, LTV%, accept/reject, term, DTI/PTI.
  • Logically solve problems in an expedient manner.
  • Proven history of using good planning and process management skills, able to run several analytical projects independently at the same time and prioritize within given guidelines.
  • Very strong written and verbal communication skills.  Strong negotiation skills.
  • Ability to manage across multiple functional areas as well the ability to influence others at all levels of the organization and external partners.
  • Positive attitude towards change and ability to think out of the box to solve business questions.

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21007964

Band: H5

Manages People: No

Travel: Yes, 5% of the time

Manager:

Talent Acquisition Contact:

Natalie Morgan

Referral Bonus:

0