Lead Credit Risk Analyst
Discover. A brighter future.
With Discover, you’ll have the chance to make a difference at one of the world’s leading digital banking and payments companies. From Day 1, you’ll do meaningful work you’re passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover.
Job Description
At Discover, be part of a culture where diversity, teamwork and collaboration reign. Join a company that is just as employee-focused as it is on its customers and is consistently awarded for both. We’re all about people, and our employees are why Discover is a great place to work. Be the reason we help millions of consumers build a brighter financial future and achieve yours along the way with a rewarding career.
Responsible for developing, applying, and enhancing credit risk oversight processes in support of, and under the oversight of, the overall Corporate Risk Management framework and system. Responsibilities includes, but not limited to, evaluating and monitoring of consumer credit risk appetite, tolerance and threshold, defining the process for monitoring the performance of the consumer credit portfolio, and performing reviews of credit risk strategies while using trade-offs among key business metrics such as credit losses, receivables, and profit. Identifies, designs, and implements business analyses in support of business strategies.
Responsibilities
Reviews and effectively challenges the ALL assumptions and calculations.
Designs and implements comprehensive statistical analysis as part of the credit review process.
Assesses and effectively challenges Risk Appetite & KRI tolerances and thresholds.
Establishes effective controls in the credit oversight process.
Applies and enhances credit risk oversight policies, processes, and procedures.
Establishes and maintains effective portfolio tracking to monitor changes in the portfolio credit performance.
Minimum Qualifications
At a minimum, here’s what we need from you:
Bachelor's Degree in Statistics, Economics, Engineering, Business, or other quantitative discipline
4+ years of experience as Credit Analyst, Data Analyst, or related field
In lieu of a degree, 8+ years of experience as Credit Analyst, Data Analyst, or related field.
Effective communication and critical thinking skills.
Excellent problem solving skills and the ability to handle ambiguity.
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What are you waiting for? Apply today!
The same way we treat our employees is how we treat all applicants – with respect. Discover Financial Services is an equal opportunity employer (EEO is the law). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.
