Analyst - Credit Risk Management Job at Amex (London)

Senior Analyst, Credit Risk Management

Sr Analysts, Credit Risk Management located in Frisco, TX, will perform the foll...

Location

United States , Frisco

Salary:

141773.00 - 155000.00 USD / Year

T-Mobile

Expiration Date

Until further notice

Requirements

Master’s Degree in Business, Information Systems, Management Information Systems, Analytics, or related field, and 3 years of relevant work experience
Bachelor’s Degree in Business, Information Systems, Management Information Systems, Analytics, or related field, and 5 years of relevant work experience
Using SQL, SAS, python, and other statistical/analytical programming languages to manipulate large amounts of data, extract key insights from the data, and communicate actionable recommendations based upon insight
Using Tableau and Power BI to create clear and concise visualizations which tell a story
Cleansing, transforming, and manipulating extremely large datasets from multiple sources including Snowflake, Databricks, SQL Server, Oracle, Teradata, HTML, and Azure Blob Storage
Building automated extract, transform, and load processes using scheduled Azure Databricks workflows and Alteryx to enable reliable data pipelines for analysis and reporting
Developing NLP and LLM-based solutions to extract actionable insights from complex, unstructured datasets by automating semantic analysis, entity recognition, and contextual summarization using Python libraries including LDA, LSA, LSI, Hugging Face Transformers, spaCy to enable scalable analytics
Leveraging in-depth knowledge of Collections and Credit Risk operations and tools including FICO Blaze Advisor and FICO TRIAD Customer Manager to ensure proper monitoring of collections strategies and flows and to provide performance readouts for champion/challenger testing
Experience working with outreach platforms such as CallTech, outbound messaging vendors, and outside collection agencies to establish reporting showing tracking to KPIs
At least 18 years of age

Job Responsibility

Work closely with stakeholders to analyze and understand relevant data features and KPIs
Gather and document Business requirements
Partner with customers and stakeholders on the development and production of requested data and standard reports
Deliver functional scope analysis and detailed solution design of the processes and reporting systems
Gather data inputs from multiple sources
Run routine data queries from reporting tools
Ensure integrity of data and reporting
Translate business requirements into process/system functional requirements and identify/assess potential data source
Collaborate with business and IT partner teams to develop business capability and technology roadmaps
Stay abreast of emerging strategic capabilities and data availabilities

What we offer

Competitive base salary and compensation package
Annual stock grant
Employee stock purchase plan
401(k)
Access to free, year-round money coaches
Annual bonus or periodic sales incentive or bonus based on role
Year-end bonus based on company and/or individual performance for most Corporate employees
Monthly bonuses based on individual and/or team performance for certain Customer Care positions
Monthly or quarterly sales incentives for Retail and Business Sales roles
Medical, dental and vision insurance

Fulltime

Analyst, Credit Risk Management

Under direct supervision, uses knowledge and skills, obtained through education ...

Location

United States , St Petersburg

Salary:

Not provided

Raymond James

Expiration Date

Until further notice

Requirements

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance
General Experience - 4 to 6 months
Securities Industry Essentials Exam (SIE) - Financial Industry Regulatory Authority (FINRA)
Knowledge of fundamental concepts, practices and procedures of credit risk management
Knowledge of fundamental concepts of financial markets and products
Skill in strong interpersonal skills for interfacing with all levels of management
Skill in strong analytical skills, particularly with regard to assessing the probability and impact of an internal control weakness
Skill in enthusiastic, self-motivated, effective under pressure
Skill in proven ability to manage time and deliver against deadlines
Skill in works well with others while insuring departmental priorities are obtained

Job Responsibility

Supports ongoing credit risk management activities for assigned area of responsibility in accordance with internal standards, relevant government statutes and regulations
Assists with internal and Board level reporting and special projects
Maintains departmental calendar and handles scheduling for critical meetings as well as taking minutes
Stays up-to-date with evolving regulatory changes and market events impacting the business
Develops and maintains an in-depth understanding of business areas, its products, and supporting functions
Performs data collection and analysis in compliance with program requirements to assist in identifying, analyzing and recommending changes to core business processes to minimize risk
Assists in performing reviews for assigned areas to identify gaps and mitigation strategies
Identifies, reviews, assesses and documents credit risk management and control issues in assigned business processes
Assists in preparing written reports and recommendations on the effectiveness of assigned business processes and risk mitigation activities
Builds and maintains key relationships with stakeholders demonstrating a culture of engagement and assistance

Fulltime

Senior Vice President - Global Credit Reserve Sr. Lead Analyst - Risk Management

The Global Credit Reserve Team oversees the firmwide credit reserving approaches...

Location

Canada , Mississauga

Salary:

141600.00 - 212400.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience
Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management
Acumen in questioning, examining, and validating new account strategies, account management strategies, and non-scoring financial models
Familiarity with compliance protocols with a demonstrated ability to direct, assess and dispute compliance adherence
Experience in directing internal and external audits, with a strong understanding of oversight reviews, demonstrating competence in questioning and appraising audit processes
Ability to collaborate with multiple teams and departments with a focus on managing, inspecting and disputing collaborative endeavors
Comprehensive knowledge and experience in risk assessment, particularly when making business decisions demonstrating, strength in contesting, scrutinizing, and ensuring decisions maintain the firm's reputation
Proficiency in ensuring compliance with legal and regulatory requirements, demonstrating ability to dispute, assess, and supervise compliance processes
Advanced expertise in scrutinizing and evaluating complex financial data, with the capacity to make strategic decisions under review
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, including the ability to predict and plan for potential market fluctuations whilst challenging these predictions

Job Responsibility

Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment, mitigation, monitoring, and reporting to ensure optimal performance
Oversee the end-to-end framework for credit reserve adequacy, carefully assessing and mitigating potential risks
Review new and enhanced modelling techniques applied for credit reserving
Conduct rigorous internal and oversight reviews, probing and investigating internal processes and controls, managing any internal audits or regulatory exams to uphold institutional integrity
Assess and analyze risk during decision making processes, using sound judgement to safeguard the firm's reputation and financial stability
Ensure firm policies are upheld, promote ethical conduct, and rigorously examine activities and processes to ensure compliance with relevant legal and regulatory requirements
Stay informed about industry trends, leverage strong communication skills to clearly relay information to various stakeholders and make complex business decisions
Monitor and adapt current practices according to the latest trends in credit risk analysis, leveraging expertise for improved forecasting and allowance calculations
Manage governance discussions to ensure reserve adequacy
Is an enthusiastic and early adopter of change

Fulltime

Portfolio Credit Risk Management 2nd Lod Lead Analyst, Vice President

The Portfolio Credit Risk Management role oversees portfolio risk management act...

Location

United States , Getzville

Salary:

92000.00 - 138000.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years of experience
Proven experience in overseeing, challenging, and reviewing credit portfolio management
Demonstrable understanding of credit analysis and counterparty risk with the ability to provide robust oversight and review
Solid experience in the review, challenge and oversight of loanable value methodology and portfolio stress testing
Ability to oversee, evaluate and challenge risk management tools and exposure monitoring processes
Proficient in accuracy and completeness of credit data with the capability to oversee, challenge and review data sets
Experience in overseeing, challenging, and reviewing risk management processes and portfolio risk reports
Comprehensive understanding of risk measurements with a proven oversight, challenge and review skill set
Competence in interpreting and analyzing complex financial data and making informed decisions
Understanding of credit analysis, counterparty risk, and portfolio stress testing

Job Responsibility

Oversee credit portfolio limits and stress testing, ensuring a balance between risk and reward and maintaining the company's risk appetite
Develop advanced methodologies for limit setting within the credit portfolio, factoring in industry trends, regulatory standards, and internal risk appetite
Manage comprehensive risk profiles, coordinating with regulatory bodies, conducting regular portfolio health checks and anticipatory identification of top risk factors
Direct regular portfolio analysis, providing updates on portfolio performance, market trends, and risk factors for ongoing risk assessment and mitigation
Lead governance discussions, interpreting limit governance rules and overseeing activities related to single name and distribution risk to ensure regulatory compliance
Represent and coordinate the second line of defense in terms of risk appetite engagement, effectively communicating and managing risk statements and assessments
Supervise the end-to-end framework for the adequacy of credit reserve and stress testing, ensuring proper management of the credit portfolio
Examine, challenge, and validate new account strategies and account management development for robust checks, minimizing potential risk exposure
Conduct rigorous internal and oversight reviews, probing into internal processes and controls, and managing any ensuing internal audits or regulatory examinations
Assess risk when making business decisions, using advanced analytical skills to evaluate potential risks and protect the firm's reputation

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
discretionary and formulaic incentive and retention awards

Fulltime

Portfolio Credit Risk Management 2nd Line of Defense Lead Analyst

Portfolio Management Group (PMG) is risk management group covering Citi’s Bankin...

Location

Poland , Warsaw

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5+ years of experience in the financial industry, with significant exposure in developing analytical methodologies and modeling frameworks for credit risk measurement, regulatory capital and/or stress testing
3+ years of prior experience in a model development or model risk management function primarily working on PD and risk rating models and methodologies
Knowledge of coding in R, Python, or SAS, as well as writing and/or reviewing technical documentation
Comprehensive understanding of quantitative and qualitative methodologies and regulatory requirements used in credit risk modeling, particularly for the capital, stress testing and reserves calculations
Demonstrated knowledge across various wholesale credit portfolios and products, including an understanding of financial instruments and market dynamics
Ability to assess complex issues through root cause analysis and other analytical techniques
Strong oral and written communication skills, with a proven ability to synthesize complex concepts, translate into "user friendly" language, and present effectively and persuasively in text or slide format
Strong analytical skills with ability to identify and communicate root causes and trends
Proficient in Microsoft Office, particularly Excel (metrics and data analysis), PowerPoint (presentations), and Word (documentation)
Ability to manage multiple priorities and tasks, highly motivated with attention to detail, team-oriented, organized, pro-active, and capable of executing effectively across businesses, functions, and geographies

Job Responsibility

Support risk rating model oversight activities and prepare Governance Forum reviews, including prioritization of model changes, development, and assessment of model limitations and overlays
Provide independent review of annual and multi-year model enhancement plans to formulate holistic opinion on these developments to aid Senior Management decisions and meet Model Users expectations
Build sustainable, repeatable, and automated analytics supporting centralized model and risk rating related governance, including benchmarking and independent performance analysis of risk rating and PD models
Perform advanced ad hoc analytics and root cause analyses to respond to regulatory and business questions and provide insights, leveraging the best market practices and knowledge on risk ratings, PD modelling and related concepts
Support business and independent risk analysis to provide portfolio insights, define requirements, navigating technical model and risk rating policy and process related terms and documentation
Partner with and support the Model Sponsors, Model Developers, Model Users in 1st and 2nd line of business and Governance Forum activities concerning Wholesale Risk Ratings models and methodologies
Liaise with Model Developers to implement model methodology, such as inputs and outputs, along with qualitative components and model adjustments to ensure alignment with portfolio-specific nuances and expectations
Collaborate closely with other functions, such as product development and technology to ensure seamless integration and execution of model and risk rating oversight and implementation activities

What we offer

Private Medical Care Program
Life Insurance Program
Pension Plan contribution (PPE Program)
Employee Assistance Program
Paid Parental Leave Program (maternity and paternity leave)
Sport Card
Holidays Allowance
Sport and team recreation activities
Special offers and discounts for employees
Access to an array of learning and development resources

Fulltime

Us Analyst - Credit Analyst - Risk And Permanent Control

DEPARTMENT: Risk and Permanent Control | Reports to: Senior Credit Officer US A...

Location

United States , New York

Salary:

Not provided

Crédit Agricole

Expiration Date

Until further notice

Requirements

Bachelor's degree in Finance or related field
Prior internships in credit analysis
Strong credit analysis skills
Balance sheet and income statement analysis experience
Understanding of cash flow and projection models
Understanding of risk exposure and sizing
Ability to analyze and summarize information
Ability to prioritize effectively and work autonomously
Strong teamwork and adaptability
Effective decision-making skills

Job Responsibility

Review credit requests from Front Office for completeness
Write comprehensive credit analyses evaluating borrower's industry, competitive position, financial statements, projections, transaction structure, exposure size, risks, and mitigants
Review and recommend borrower credit ratings using the bank's internal rating model
Collaborate with Sector Head to determine final recommendations for Senior Management and Credit Committee
Manage file completion under supervision of Senior Credit Analyst and Sector Head to meet deadlines
Verify data inputs in databases and resolve issues with commercial units
Monitor risk in assigned portfolio and prepare quarterly reports on sensitive names
Support ad hoc portfolio or counterparty research requests

Fulltime

Sr Risk Management Analyst - Wealth Management

Voya Financial is seeking a Senior Risk Analyst for the Voya Financial Risk Mana...

Location

United States , Boston

Salary:

120000.00 - 145000.00 USD / Year

Voya Financial

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Finance, Economics, Risk Management, or related field (Master’s preferred)
Professional certifications such as FRM (Financial Risk Manager), CFA (Chartered Financial Analyst), or PRM (Professional Risk Manager) are strongly preferred
7+ years of experience in risk management within financial services, ideally in wealth management or investment advisory
Strong understanding of investment products (equities, fixed income, alternatives, structured products)
Knowledge of regulatory frameworks (SEC, FINRA, Basel III, Dodd-Frank)
Advanced proficiency in risk modeling, stress testing, and scenario analysis
Excellent communication, presentation, and stakeholder management skills
Proactive and practical attitude
Strong verbal and written communication skills
Curiosity about our business and industry

Job Responsibility

Conduct quantitative and qualitative risk assessments across portfolios, investment strategies, and client accounts
Monitor market, credit, liquidity, and operational risks impacting wealth management activities
Develop and maintain risk dashboards, metrics, and reporting tools for senior management
Enhance risk management frameworks, policies, and procedures tailored to wealth management services
Recommend improvements to risk governance structures and escalation protocols
Partner with advisors, and business teams to evaluate risk exposures in investment strategies
Provide risk insights to support decision-making in client portfolio construction and product development
Act as a subject matter expert on risk issues for cross-functional teams
Prepare detailed risk reports for senior leadership, risk committees, and board presentations
Communicate complex risk concepts clearly to both technical and non-technical stakeholders

What we offer

Health, dental, vision and life insurance plans
401(k) Savings plan with generous company matching contributions (up to 6%)
Voya Retirement Plan – employer paid cash balance retirement plan (4%)
Tuition reimbursement up to $5,250/year
Paid time off – including 20 days paid time off, nine paid company holidays and a flexible Diversity Celebration Day
Paid volunteer time — 40 hours per calendar year

Fulltime

ICG Risk Analysis Credit Risk Analyst

ICG Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICG Ri...

Location

Philippines , Taguig City

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

BA/BSc or higher degree in Business (MBA), or any other related subject
Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile)
Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Displays basic industry research capabilities, including risk and key drivers
Basic understanding of Credit Policy and procedures
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Microsoft Office (Word, Excel, and PowerPoint) skills

Job Responsibility

Assess the credit and financial strength of Citi’s counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

What we offer

Extensive on-the-job training and exposure to senior leaders, as well as more traditional learning
Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Variety of programs that help employees balance their work and life, including generous paid time off packages
Resources and tools to volunteer in the communities

Fulltime

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Analyst - Credit Risk Management

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