Sr. Manager, Credit Risk

Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue). Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits. Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers. Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives. Lead projects independently and perform ad hoc analysis as needed. Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders. Support Leadership in preparing reports and documentation for regulatory reviews and audit activities. Develop and enhance the reporting structure for assigned markets/products and channels involving modified scoring datasets/warehouse and developing monitoring reports.