The Credit & Portfolio Analyst III analyzes complex portfolios trends and scoring information to evaluate and control credit risk. May participate in scorecard development. Designs and executes complex data analyses. Makes policy recommendations concerning appropriate risk levels relative to corporate objectives.
Specifically, the Credit & Portfolio Analyst III performs the following tasks:
- analyzes portfolio trends concerning score cut-offs for various programs, loss trends, general portfolio dynamics and bureau scoring criteria.
- analyzes scoring models, evaluates scorecard predictability.
- analyzes and forecasts trends to ensure control of business.
- monitors statistical models to determine credit, collections and reissue policies.
- may train less experienced personnel.
Qualifications
Bachelor's Degree or equivalent experience. Requires technical skills related to data manipulation/interpretation. - Proficiency in SAS programming is a plus. - At least 7 years related experience. - Requires analytical ability and statistical skills. - Mental/visual stress (e.g., dealing with a high volume of calls, lifting heavy boxes, standing/walking for extended time, eyestrain from extended computer use, difficult/angry customers, driving, etc.)