Enterprise Risk Analyst at Zurich Life Assurance Plc collaborating with diverse teams to strengthen risk management culture and implement frameworks. Involves governance, risk assessment, reporting, and training activities.
About the role
- Risk Manager managing credit card risks through data-driven underwriting strategies for small businesses at U.S. Bank. Leading risk management initiatives to optimize financial impacts and improve performance metrics.
Responsibilities
- Lead the line management function for the Small Business Credit Card portfolio
- Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements
- Develop tools, segmentations, and strategies to optimize financial impact of these programs
- Forecast the strategy’s financial impact and track actual against forecast
- Clearly and timely communicate strategy changes and financial impact to Cobrand partners and senior leaders
- Query large datasets using Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis
- Identify patterns through large credit card financial data
- Work with consumer and commercial bureaus to improve data sources and tool for strategy improvement
- Work closely with other areas of the organization such as system implementation teams to support strategy implementation
- Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers
- Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner
- Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized
- Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions
- Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management
- Summarize findings from the reports to deliver clear messages about strategy improvement opportunities
Requirements
- Bachelor's degree or equivalent work experience
- Typically more than 10 years of applicable experience
- Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
- Five plus years of relevant experience in credit card risk management functions
- In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
- Strong analytical skills and ability to analyze models, tools, trends, and patterns
- Expertise with Python, SAS, SAS EG or SQL plus to pull large amounts of data
- Expertise with Power BI, Excel and PowerPoint
- Expertise with Microsoft suite and productivity tools
- Strong process facilitation, project management, analytical, and presentation skills
- Experience working with small business credit card portfolio preferred
Benefits
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
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