Senior Credit Management Analyst

4 weeks ago

india Bread Financial Full time
JOB DESCRIPTION

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Job Summary

The Credit Risk Underwriting and Account Management function is responsible to facilitate profitable growth, regardless of industry or credit product, by approving profitable applicants and ensuring they have the appropriate available credit, while adhering to the contractual guidelines and parameters. The Senior Analyst, Credit Management is responsible for completing the required analysis for a portfolio of clients and recommending necessary changes to parameters, with some guidance from the Credit Risk Manager.

Essential Job Functions

Account Review - Createsand evaluatesnew account application underwriting standards for portfolios of clients with some guidance from Credit Risk Manager. Analyzesperformance of past accounts and recommendschanges to Underwriting and Credit Limit assignment parameters.

Strategic Planning and Analysis - Creates, testsand analyzesnew credit limit strategies for specific client to increase sales and profitability for existing accountholders. Createsand analyzesreporting of key credit risk metrics necessary to understand changes in portfolio risk mix and/or trends in customer behavior. Createsstrategies, Underwriting Standards, and Credit Limit assignments for new client implementations.

Reports to : Manager or above 

Working Conditions/ Physical Requirements : Normal office environment

Direct Reports : None

MinimumQualifications : 

Bachelor’s Degree in Finance, Business, Statistics, Accounting

Threeyears or more years experience Lending

Preferred Qualifications :

Master’sDegree in Finance, Business, Statistics, Accounting 

Fiveyears or more working with Credit card data

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

About Bread Financial 

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread FinancialTM is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices.

All job offers are contingent upon successful completion of credit and background checks.

Bread Financial is an Equal Opportunity Employer.

Job Family:

Credit Operations

Job Type:

Regular

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