Credit Risk Analyst II

Kohl's-posted 4 days ago

Full-time • Mid Level

Tallahassee, FL

5,001-10,000 employees

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As Credit Risk Analyst II, you will conduct ad-hoc analysis/project implementation to enhance portfolio performance and develop models to forecast delinquencies, losses and revenues. Additionally, you could analyze portfolio risk of the Kohl's charge product while developing and implementing strategies that enhance revenues and mitigate losses for the portfolio.

Review standard and intermediate ad hoc analysis requests from business partners for customer, program, offer and/or channel needs.
Consult with business partners to identify primary and secondary business analyses and KPIs required to support business decisions
Develop end-to-end project timelines for analysis deliveries
Identify and collect primary and secondary data variables to holistically answer business questions
Maintain an understanding of the structure and location of various data sources to be utilized
Independently pull and manipulate data to determine results and develop data visualizations into relevant conclusions
Identify and set up processes for data quality checks
Execute setup and data pull for analyzing various credit programs, including A/B Testing
Review relevant data sets and analyses to develop detailed and informed insights and implications to inform strategy and decisions
Organize insights, data and visualizations into comprehensive stories for distribution to leadership partners in support of internal business decisions
Create and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Develop forecasting loss models for delinquencies, contractual, and manual - dollars and units
Develop forecasting revenue models – for interest, fees & outstanding - dollars and units
Additional tasks may be assigned

Bachelor’s Degree or equivalent
2+ years’ experience in analytics
Basic SQL and/or SAS skills
Self-motivated with strong competence with data management, analytics and visualization
Basic experience with Visualization Software like Looker, Tableau, Etc
Ability to perform the accountabilities listed in the “What You’ll Do” Section
Ability to maintain prompt and regular attendance as set by the company
Ability to work at least 8 hours per day, occasionally longer when necessary to meet business needs, 5 days per week
Ability to comply with dress code requirements
Ability to learn and comply with all company policies, procedures, standards and guidelines
Ability to give direction and receive, understand and proactively respond to direction from leadership and other company personnel
Ability to work as part of a team and interact effectively and appropriately with others
Ability to maintain composure and work in a fast paced environment while accomplishing multiple tasks within established timeframes
Ability to satisfactorily complete company training programs
Perform work in accordance with the Physical/Cognitive Requirements section
Ability to use a personal computer for tasks such as communicating, preparing reports, etc.
Ability to plan, prioritize and monitor activities across business units
Ability to complete or oversee the completion of assigned projects in a timely manner
Ability to comply with health and safety standards

Experience in modeling data using AI
Master’s Degree or equivalent
R/Python programming skills
Retail or Financial services experience in Risk Management particularly Credit Card product

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