Sr Analyst, Credit Card Valuations & Risk Analytics
US-VA-McLean
Careers (External)
Req #: 10858
Type: Full-Time
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Overview: Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members "do better." Joining PenFed is more than being an employee; it's about being a part of the PenFed family. PenFed is hiring a (Hybrid) Sr Analyst, Credit Card Valuations & Risk Analytics at our Tysons, Virginia location. The scope of this job is to lead credit analysis and support end-to-end development of credit policy in the Consumer Credit Card space, primarily focusing on line assignment and portfolio risk management in Credit Card. You will have a direct influence on the credit card user experience for hundreds of thousands of PenFed members and direct impact on PenFed's financial performance. Responsibilities: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned. * Lead analysis for credit policy optimization and risk mitigation strategies. * Work with Decision Science team to build, implement and update valuations model, use valuations to optimize credit policy. * Collaborate with modeling team to build, manage and use risk models using both internal and external data sources, conduct risk drivers' analysis and deploy new risk models in credit policy. * Drive monitoring and deep dive analysis of credit card performance and policy effectiveness, identify emerging credit trends and provide insights on root causes. * Brainstorm on policy change and provide ongoing analytics to support credit policy and product innovation to adapt to the ever-changing macro-environment. * Partner with key stakeholders in various groups to spearhead initiatives and enable resilient and profitable growth. * Gain familiarity with multiple data sources. Utilize purchased data to gain insight into industry trends and provide benchmarking of PenFed credit card data. * Enhance portfolio reporting, improve internal efficiencies, contribute to better data quality and data structures, and meet changing management and regulatory requirements. Qualifications: Equivalent combination of education and experience is considered. * Bachelor's degree in Math, Statistics, Economics, Computer Science, or other quantitative field required, master's degree preferred. * Minimum of two (2) years with master's degree or five (5) years of experience with bachelor's degree in quantitative analysis / modeling, credit policy or credit risk management in financial services industry. * Strong data analytical and data visualization skills. * Proficiency with Python, SQL, Tableau, Excel, and PowerPoint are required. Familiarity with Snowflake platform and R preferred. * Strong skills in various data analysis and visualization tools including SQL, Tableau, Excel and PowerPoint are required. * Proficiency with statistical tools (SAS, R) and analysis is preferred. * Curiosity, attention to details, strong critical thinking and problem-solving skills. * Ability to work effectively in ambiguous situations, ability to prioritize among multiple projects. * Self-motivated and strong interpersonal skills to actively lead and implement ideas in a cross-functional team environment. Supervisory Responsibility This position will not supervise employees. Licenses and Certifications There are no additional certifications required. Work Environment While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.* Travel Limited travel to various worksites is not required.
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