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Consumer Product Strategic Analyst IV

Jacksonville, Florida;

Job Description:

Main Job Goal:  Create, interpret and manage credit strategies and analytics for Consumer Vehicle secured lending. 

Key functions include:

  • Recommend credit strategy enhancements to optimize risk reward tradeoff for secured vehicle lending within the approved risk appetite (Responsible Growth).
  • Responsible for developing system requirements to support strategy changes, implementation (review and approve design, testing), develop and present training of Credit Strategy Changes for Consumer Products.
  • Develop and manage approved changes through tech. process including Intake, UCRA, UAT support - may get involved in testing results and use case development, may require procedure review and documentation. 
  • Work closely with Credit Risk, Underwriting, Funding, Process Design, Business Controls and Compliance partners to execute Credit Strategy Development and Management; and identify, address and resolve issues.
  • Leverage quantitative tools and techniques to systemically assess loan originations for credit risk concerns, trends and risk direction in regards to established Strategy Metrics/limits and concisely report concerns to leadership in a timely manner through established governance routines.
  • Knowledge of enterprise decision strategy and model governance processes.

Required Skills:

  • 4+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
  • Ability to develop statistical or quantitative output using appropriate tools (ex SAS, SQL, Python/R, H2O, similar) for identifying and optimizing key business metrics of credit default or prepayment risk with a proven ability to mine large datasets, interpret results and communicate findings candidly and crisply to leadership.
  • A solid working knowledge of statistical and/or financial modeling/analyses and the proven ability to apply that knowledge to business data and strategies to independently draw empirically based conclusions.
  • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
  • Strong influencing, negotiation, persuasion, time management, written and verbal communication skills.
  • Bachelor’s degree in a quantitative discipline.

Desired Skills:

  • 5+ years Credit Strategy Management experience preferred.
  • Master’s degree in a quantitative discipline.
  • Strong written and verbal communication skills
  • Strong understanding of general financial concepts (ROE, ROA, RAS, RANIM, etc…) and working knowledge of Consumer or Small Business Lending
  • Proven history of good planning and process management skills, able to run several analytical projects independently at the same time, generate results and prioritize within given guidelines.

Job Band:

H4

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

Main Job Goal:  Create, interpret and manage credit strategies and analytics for Consumer Vehicle secured lending. 

Key functions include:

  • Recommend credit strategy enhancements to optimize risk reward tradeoff for secured vehicle lending within the approved risk appetite (Responsible Growth).
  • Responsible for developing system requirements to support strategy changes, implementation (review and approve design, testing), develop and present training of Credit Strategy Changes for Consumer Products.
  • Develop and manage approved changes through tech. process including Intake, UCRA, UAT support - may get involved in testing results and use case development, may require procedure review and documentation. 
  • Work closely with Credit Risk, Underwriting, Funding, Process Design, Business Controls and Compliance partners to execute Credit Strategy Development and Management; and identify, address and resolve issues.
  • Leverage quantitative tools and techniques to systemically assess loan originations for credit risk concerns, trends and risk direction in regards to established Strategy Metrics/limits and concisely report concerns to leadership in a timely manner through established governance routines.
  • Knowledge of enterprise decision strategy and model governance processes.

Required Skills:

  • 4+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
  • Ability to develop statistical or quantitative output using appropriate tools (ex SAS, SQL, Python/R, H2O, similar) for identifying and optimizing key business metrics of credit default or prepayment risk with a proven ability to mine large datasets, interpret results and communicate findings candidly and crisply to leadership.
  • A solid working knowledge of statistical and/or financial modeling/analyses and the proven ability to apply that knowledge to business data and strategies to independently draw empirically based conclusions.
  • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
  • Strong influencing, negotiation, persuasion, time management, written and verbal communication skills.
  • Bachelor’s degree in a quantitative discipline.

Desired Skills:

  • 5+ years Credit Strategy Management experience preferred.
  • Master’s degree in a quantitative discipline.
  • Strong written and verbal communication skills
  • Strong understanding of general financial concepts (ROE, ROA, RAS, RANIM, etc…) and working knowledge of Consumer or Small Business Lending
  • Proven history of good planning and process management skills, able to run several analytical projects independently at the same time, generate results and prioritize within given guidelines.

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21052944

Band: H4

Manages People: No

Travel: Yes, 5% of the time

Manager:

Talent Acquisition Contact:

Jolene Georges

Referral Bonus:

0