Risk Analyst responsible for data analysis and portfolio optimization at PayJoy. Utilizing SQL and Python to enhance risk metrics and product profitability in emerging markets.
About the role
- VP, Credit Merchant Risk role managing credit and fraud risk teams for Synchrony, providing strategic oversight and collaborating with key stakeholders on risk operations.
Responsibilities
- Lead a team of 7 merchant risk professionals to mitigate merchant credit and fraud risk through our underwriting and monitoring programs
- Participate in Portfolio Credit Manager (PCM) responsibilities including industry reviews, portfolio monitoring, drive strategy improvements, provide effective challenge, etc.
- Possess in-depth understanding of merchant underwriting process and related fraud control processes
- Drive cross-client loss-avoidance initiatives, partnering with stakeholders to reduce losses and strengthen controls
- Partner with Credit, Senior PCMs, and client teams to support portfolio growth while maintaining disciplined risk appetite and performance
- Design and implement enhanced surveillance and early-warning monitoring to detect emerging risk and manage credit exposure
- Enforce bank credit policy and underwriting standards; ensure consistent, compliant decisioning and governance
- Develop and deliver client-facing and internal executive presentations on portfolio performance, risk themes, and recommended actions
- Monitor and escalate operational risks across the portfolio; recommend process improvements and control enhancements
- Support driving enhanced strategies, using champion/challenger learnings to manage credit and fraud risk
- Investigate and resolve customer/client issues, coordinating root-cause analysis and remediation to improve experience and reduce repeat events
- Provide ad hoc analytics and reporting to support leadership decisions, client needs, and special projects
Requirements
- Bachelor’s degree and 8+ years of experience in a commercial Credit/Risk role; or in lieu of a Bachelor's degree, 10+ years of experience in a commercial Credit/Risk role
- 5+ years experience in a credit risk/fraud strategy development role
- 5+ years SAS/SQL/Python programming experience (proficient level)
- Excellent temperament and ability to work through uncertainty, collaborate respectfully across functions & teams, and find solutions to issues
- Ability and flexibility to travel for business as required
Benefits
- Flexible work arrangements
- Annual bonus based on individual and company performance
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