AVP Credit Risk Policy Analytics

Job Functions:

Skill:

Strategic

• Drive the development and refinement of credit risk policies and strategies with data driven analysis to support profitable growth in retail lending, with a focus on credit cards
• Identify and evaluate emerging risk trends and portfolio dynamics to recommend proactive policy adjustments
• Partner with business and product teams to align risk strategies with growth objectives while maintaining portfolio quality
• Lead deep-dive analytics to uncover opportunities for segmentation, risk differentiation, and policy optimization

Regulatory

• Ensure credit risk policies and decision frameworks comply with internal governance standards and external regulatory requirements
• Support regulatory submissions and audits by providing robust analytical documentation and policy rationale
• Monitor changes in regulatory landscape and assess their impact on credit risk policies and practices

Operational / Analytical

• Design and implement complex logic in SAS or Python to support credit policy execution, risk segmentation, and performance monitoring
• Conduct regular portfolio reviews, including delinquency, vintage, and loss rate analysis, to assess policy effectiveness
• Collaborate with underwriting, collections, and operations teams to ensure policy adherence and operational feasibility
• Develop and maintain dashboards and reporting tools to track key risk indicators and policy performance metrics
• Evaluate and validate pre-approved targeting strategies and recommend refinements based on risk-return analysis

Budget & Resource Management

• Optimize the use of analytical tools, data infrastructure, and team resources to deliver high-impact insights efficiently
• Contribute to the planning and prioritization of analytics initiatives to align with business goals and resource constraints

Job Requirements:

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline
• Minimum of 10+ years of experience in credit risk analytics, with a strong focus on policy analytics and retail lending products (especially credit cards)
• At least 3–5 years in a leadership or senior individual contributor role, managing complex analytical projects and influencing credit policy decisions
• Proven experience in developing, implementing, and monitoring credit risk strategies and policies
• Hands-on expertise in SAS and/or Python for data analysis, modeling, and automation of credit decision logic
• Strong understanding of credit lifecycle, risk segmentation, and performance monitoring in retail banking
• Proficiency in Power BI for building dashboards and visualizing portfolio performance and risk metrics
• Familiarity with regulatory frameworks and risk governance practices in the financial services industry
• Demonstrated ability to translate complex data into actionable insights and communicate effectively with senior stakeholders
• Highly motivated, self-driven, and capable of working independently in a fast-paced, dynamic environment
• Strong interpersonal skills with the ability to influence and collaborate across cross-functional teams.