Credit Review Data Steward Lead
About The Position
Leads the Credit Review Data and Analytics function within the Credit Review Professional Practices team and serves as the department’s expert in portfolio analytics, data architecture, reporting, sampling methodologies, and emerging AI capabilities. Owns the analytical framework supporting portfolio Risk Assessment, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Acts as a liaison between Credit Review and Enterprise Data, Technology, Risk, and Finance organizations. Ensures Credit Review data documentation and quality meet business needs in collaboration with domain and product stakeholders, and coordinates cross-domain efforts to identify, manage, and remediate data quality issues. The role develops and maintains Credit Review portfolio analytics and review universes; establishes repeatable data extraction, validation, and governance processes; designs statistical and risk-based sampling approaches; and builds executive dashboards. It also identifies and evaluates AI opportunities, partners with Model Risk and Technology, develops deployment controls and governance, and pilots AI solutions for activities such as credit memo analysis, review planning, sample selection, findings summarization, and risk trend identification. The position has managerial or supervisory responsibility for 5–8 staff.
Requirements
- Bachelor’s degree and a minimum of 7 years of related experience, or, in lieu of a degree, a combined minimum of 11 years of higher education and/or work experience, including a minimum of 7 years of related experience.
- Minimum of 2 years of managerial, supervisory, and/or work leadership experience.
- Expert ability to pull data from Structured Query Language (SQL) platforms.
- Proven ability to close data issues.
- Experience owning business relationships, eliciting complex business requirements, and translating them into technology requirements for engineers.
- Experience setting user acceptance test parameters to ensure conformity to business objectives.
- Knowledge of data management.
Nice To Haves
- Credit Risk Management or Credit Review experience.
- In-depth knowledge of and familiarity with data management, analysis, and warehousing products, systems, and workflows, such as Python, Power BI, and Alteryx.
- Experience using Data Governance Tools and with data warehousing concepts.
- Experience leading remediation of complex data issues.
- Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools.
- Strong understanding of AI, Generative AI, and Machine Learning applications and capabilities.
- Excellent prompt engineering skills.
- Familiarity with Application Programming Interface (API) integrations.
- Portfolio analytics experience.
Responsibilities
- Develop and maintain the Credit Review team’s review and Reviewable Entity universe.
- Translate commercial and consumer loan portfolio data into Reviewable Entities.
- Create methodologies for portfolio segmentation and risk stratification.
- Develop and maintain portfolio monitoring metrics.
- Support the portfolio Risk Assessment process and review planning.
- Establish repeatable processes for extracting data from M&T platforms.
- Validate data quality and completeness.
- Maintain data lineage documentation.
- Manage relationships with data owners and technology teams.
- Design statistically valid sampling approaches.
- Develop risk-based and judgmental sampling frameworks.
- Optimize sample sizes while maintaining appropriate coverage.
- Support examiner and audit requests regarding sample methodology.
- Build and oversee dashboards for delinquencies, defaults, charge-offs, Criticized/Classified assets, risk ratings, Watchlist credits, policy exceptions, review testing deviation and Findings, and review plan execution.
- Identify AI use cases within Credit Review.
- Evaluate Generative AI and predictive analytic solutions.
- Partner with Model Risk and Technology.
- Develop controls and governance around AI deployment.
- Pilot AI solutions involving credit memo analysis, review planning, sample selection, Findings summarization, risk trend identification, and related applications.
- Complete other related duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
