Credit Risk

About Latentview:

• LatentView Analytics is a leading global analytics and decision sciences provider, delivering solutions that help companies drive digital transformation and use data to gain a competitive advantage. With analytics solutions that provide 360-degree view of the digital consumer, fuel machine learning capabilities and support artificial intelligence initiatives., LatentView Analytics enables leading global brands to predict new revenue streams, anticipate product trends and popularity, improve customer retention rates, optimize investment decisions and turn unstructured data into a valuable business asset. 
• We specialize in Predictive Modelling, Marketing Analytics, Big Data Analytics, Advanced Analytics, Web Analytics, Data Science, Data Engineering, Artificial Intelligence and Machine Learning Applications.
• LatentView Analytics is a trusted partner to enterprises worldwide, including more than two dozen Fortune 500 companies in the retail, CPG, financial, technology and healthcare sectors

Job Description

• This individual will be responsible to lead the Credit Risk team 
• Leverage advanced predictive analytics, and expert knowledge of credit risk mitigation tools and techniques to detect and mitigate existing and upcoming risks in the portfolio 
• Develop and optimize strategies across various acquisition channels, build business cases to enhance risk management, customers experience and contribute to sustainable and profitable business growth. 
• Conduct comprehensive analyses to assure timely monitoring of strategy efficacy and accuracy, minimizing credit/operating losses and reputation/compliance risk exposure. 
• Partner closely with product/marketing, system & technology, finance, compliance and other business areas to develop risk criteria and propose new strategies. 
• Collaborate with various credit, deposit and product groups and external vendors to develop effective ways to manage account decisions, leveraging best practices and new data/tools.
• Create and share monitoring reporting and diagnostics on various credit, vintage, product, offer, channel, mix, delinquency, loss rate, usage/revenue and profitability performance information informing line strategy decisions. 
• Drives the discovery of new risk segmentation attributes and recommending value-added and practical solutions for risk management strategy enhancements via sound statistical methods by effectively mining rich and complex data sources. 
• Stay at the leading edge of emerging trends and capabilities in the domains of consumer, credit, risk detection and prevention, with emphasis on digital. 
• Lead implementation of complex initiatives with moderate to high risk for the line of business. 
• Manage communication and collaboration with business heads, Legal, Audit, and regulators on risk related topics. 
• Manage a team of Lead and Senior consultants or cross-functional teams in accomplishing goals and priorities.

Requirement

• 10+ years of progressive experience in risk or analytics *10+ years of credit risk experience in cards/unsecured lending 
• 3+ years of management experience leading sizeable teams of analysts / risk professionals
• Strong Credit Risk analytics skills and comprehensive understanding of cards P&L and risk drivers 
• Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other analytical techniques 
• Ability to design and structure complex data & modeling framework for monitoring and analytical reporting 
• Ability to lead project teams and coordinate with multiple stakeholders. 
• Desired Qualifications: 
• Knowledge and understanding of credit card lending practices, policies, and procedures 
• Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities 
• Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment 
• Strong ability to develop partnerships and collaborate with other business and functional area 
• Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution 
• Knowledge and understanding of the key factors impacting credit offerings, including credit risks and regulatory requirements 
• Understanding of risk management practices, extensive knowledge of financial cash flow / NPV model analysis 
• Strong communication, interpersonal and leadership abilities