Credit Card Risk and Analytics Manager

First Horizon Bank • St. George, LA

1d • Onsite

About The Position

The Credit Card Risk and Analytics Manager will lead, plan, and direct the
credit risk modeling and analytics function including, credit risk strategy
development, implementation and maintenance of the scorecards for the Credit
Card Line of Business. The role will be responsible for optimizing underwriting
strategies for all Consumer Credit Card asset types. Plan and direct credit risk
modeling efforts to include design and build of custom scorecards across the
lending life cycle and optimization of credit line allocations/assignments.

Requirements

• Bachelor (4-year college) degree and 5+ years of experience
• Knowledge of Credit Scoring and Credit Card Scorecard models
• Knowledge of Credit Risk management, asset/liability management and/or mathematic modeling
• Microsoft Office suite and experience in the use of statistical modeling software
• High levels of initiative, sound judgment, and demonstrated tact in communication and conflict resolution.
• Ability to work independently and credibly across cross-functional teams, effectively engaging with associates at all levels and external partners.

Responsibilities

• Lead development and ongoing management of credit risk models for underwriting, scoring, account management, models to optimize credit card lending decisions
• Oversee the development, implementation, and use of credit scoring models and account management strategies
• Execute development of credit line assignment models to minimize risk exposure while maximizing net income, and profitability models that allow for optimization of the various trade-offs to achieve the business goals.
• Maintain thorough knowledge of credit bureau data, tools and initiatives and how they may be leveraged to improve credit decisions
• Responsible for the First Line of Defense for credit card risk
• Develop and implement new/updated policies, procedures, goals and priorities as necessitated by demands, changing conditions, and/or management request
• Manage and lead the simulation and optimization of credit policy decisions utilizing various profit/loss scenarios to ascertain current/future financial impact; make appropriate recommendations
• Maintain understanding of business direction, environment and strategies and work closely with stakeholders to ensure analytic output addresses business needs
• Sets, monitors and maintains Risk KPI/KRIs and contributes to ongoing Risk Reporting and Risk Committee meetings as needed
• Performs all other duties as assigned

Benefits

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 1,001-5,000 employees