Credit Review Data Scientist Senior
About The Position
Serves as the primary technical resource for data extraction, transformation, analysis, dashboard development, and operational reporting in support of Credit Review activities. The role is a hands-on analytics expert who develops complex methods, processes, and systems to consolidate and analyze diverse big data sources, generating insights and solutions for the Credit Review team and product enhancements. Works closely with the Credit Review Data Steward to support portfolio risk assessment, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Also assists the Credit Review Professional Practices team with data visualization initiatives.
Requirements
- Bachelor’s degree and a minimum of 5 years of related experience, or, in lieu of a degree, a combined minimum of 9 years of higher education and/or work experience, including a minimum of 5 years of related experience.
- Experience with multiple statistics and data science principles, such as A/B testing, sample selection, hypothesis testing, and modeling bias.
- Proficiency with pertinent statistical software, languages, and tools.
- Experience with hybrid databases both on premise and in the cloud.
- Intermediate-level knowledge of Structured Query Language (SQL) and Not Only Structured Query Language (nSQL).
- Intermediate understanding of modeling techniques such as Bayesian modeling, classification models, cluster analysis, neural networks, non-parametric methods, and multivariate statistics.
- Experience analyzing large data sets.
Nice To Haves
- Credit Risk Management or Credit Review experience.
- Extensive knowledge of and familiarity with data management, analysis, and warehousing products, systems, and workflows, such as Python, Power BI, and Alteryx.
- High proficiency with data governance tools and data warehousing concepts.
- Experience participating in the remediation of complex data issues.
- Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools.
- Strong portfolio analytics capabilities.
- Strong data visualization skills, including Power BI or Tableau.
- Understanding of AI, Generative AI, and Machine Learning applications and capabilities.
- Prompt engineering skills.
Responsibilities
- Extract data from Commercial and Consumer loan systems and data warehouse environments.
- Create repeatable Extract, Transform, Load (ETL) processes and build automated datasets.
- Produce portfolio segment analyses, monitor asset quality trends, and generate concentrations and risk stratifications.
- Support Credit Review’s Risk Assessment processes.
- Assist in determining, developing, and stratifying portfolio populations; generate statistically valid samples and document sample methodologies.
- Build and maintain dashboards tracking the review universe, planned versus completed reviews, testing deviation trends, delinquencies, criticized assets, charge-offs, risk rating migration, and emerging portfolio risks.
- Support Credit Review’s Targeted Review activity and perform targeted portfolio analyses.
- Respond to management requests and support regulatory examinations.
- Assist other members of the Credit Review Professional Practices team with data visualization initiatives.
- Complete other related duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
