Credit Portfolio Officer

• develop, implement, and refine credit risk strategies for both new customer acquisition and existing customer management by utilizing credit scoring models and population segmentation techniques
• monitor credit card portfolio performance, identify emerging risk trends, and conduct in-depth analysis to assess the impact of various risk factors across acquisition channels and existing customer segments
• utilize advanced analytical techniques and statistical models to segment customers, predict credit losses, and evaluate the effectiveness of risk mitigation strategies
• work with and optimize systems related to credit card acquisition and existing customer management to enhance risk controls and operational efficiency
• prepare comprehensive risk reports and presentations for senior management, outlining portfolio performance, risk exposures, and recommendations
• ensure all credit risk activities comply with internal policies, external regulations, and industry best practices
• partner with cross-functional teams including product development, marketing, operations, and collections to integrate risk considerations into business decisions
• represent Credit Risk in technology projects to ensure risk requirements are properly addressed
• leverage credit risk management systems and tools for data extraction, manipulation, and analysis
• conduct ad-hoc analyses and special projects to support strategic initiatives and address specific risk concerns.

• 6-10 years of experience in credit risk management, preferably within the credit card or retail banking sector
• proven experience in developing and implementing credit risk strategies and models, with a strong emphasis on customer acquisition and existing customer management
• demonstrable experience working with decision engines in acquisition (e.g., FICO Blaze or other Credit Decision Engine) and existing customer management (e.g., ACS, TRIAD)
• strong analytical skills with the ability to interpret complex data and draw actionable conclusions
• excellent communication and presentation skills, with the ability to articulate complex analytical findings to technical and non-technical audiences
• strong problem-solving abilities and meticulous attention to detail
• ability to work independently and collaboratively in a fast-paced environment
• proficiency in SQL, SAS for data extraction, manipulation, and statistical analysis
• SAS Miner for CHAID analysis and segmentation
• advanced Excel skills (pivot tables, VLOOKUP, complex formulas)
• experience with data visualization tools (e.g., Tableau, Power BI) is a plus
• familiarity with credit scoring models and their application.

experience with data visualization tools (e.g., Tableau, Power BI) is a plus.

• equal opportunity employment
• accommodations for individuals with disabilities during the recruitment process
• competitive salary.