Job Description

Description This position is a part of the Risk Management department. Our risk professionals are tasked with identifying revenue opportunities and risk trends by monitoring the performance of our existing portfolio, growth opportunities, and general market trends. We develop and implement strategies for credit line increases, authorizations, collection, fraud, retention, and the sale of revenue-based products. In the role of Risk Modeler, this person will be responsible for developing advanced machine learning frameworks that drive enhanced cardholder utilization and retention activities. The ideal candidate will have an outstanding track record of successfully implementing machine learning solutions for impactful and dynamic business results.

Summary of Essential Job Functions

• Apply hands-on analytical leadership that will both personally execute analytical work, and build/lead a high performing team of Data Scientists in the application of statistics, mathematics, machine learning, programming, and simulation.
• Lead the efforts to research and analyze data from multiple sources including internal as well as 3rd party data in order to deliver effective and holistic business insights.
• Ensure strategic alignment to overall enterprise-wide retention, utilization, and spend goals.
• Assist with the design and implementation of advanced analytical frameworks.
• Develop new, and optimize existing, programs and strategies to retain profitable customers.
• Work closely with the Finance Team to ensure P&L accuracy and alignment at program levels for monthly executive approval.
• Anticipate issues based on knowledge of business trends and drive solutions
• Serve as an expert consultant to senior management on highly complex issues.
• Manage the rollout of company-wide pilot programs developed as a result of programmed models.
• Collaborate with key stakeholders from across the Bank, including marketing, operations, IT, and others within risk management.
• Partner with technology groups to define business requirements.
• Oversee user acceptance testing and implementation of complex changes.
• Perform other duties as assigned.

Position Requirements

• Bachelor\xe2\x80\x99s Degree in STEM (Science, Technology, Engineering, and Mathematics) or related field.
• 2+ years of experience using SAS and/or Python and its libraries to derive insights in a business setting
• 2+ years of experience in Financial Services, Credit Card Issuing, and Banking.
• 2+ years of experience gathering data requirements for statistical, econometric, predictive analytics research that drives market research/consumer analytics product innovation and implementation.
• 2+ years of experience managing teams of data scientists
• Intellectual horsepower with problem solving and analytical skills.
• Knowledge of financial analysis and profitability drivers.
• Ability to quickly assimilate and analyze large amounts of information.
• Must be able to lead a strong team of analysts and prioritize multiple highly impactful projects.
• Strong financial analytical skills with the ability to read, interpret, and evaluate, financial time-series tracking reports (including vintage analysis).

Preferred (Not Required):

• Experience in cloud-based analytical development environments.
• Consumer Credit Card industry experience.

Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.