Intern - Credit Planning

Mitsubishi HC Capital America Inc • Norwalk, CT

7d • Hybrid

About The Position

This internship offers a hands-on opportunity for individuals who are passionate about quantitative analysis, data modeling, and analytical problem-solving. The role is designed for students eager to apply academic concepts in mathematics, statistics, or economics to real-world business challenges. Interns will work with data-driven teams to analyze performance trends, support predictive modeling efforts, and contribute insights that inform credit and risk decisions. Through collaboration, exposure to advanced analytical tools, and practical project experience, this position provides strong preparation for individuals looking for early-career roles in quantitative analytics or data-driven decisioning. This position is also required to possess a comprehensive understanding of and adhere to the system of internal controls associated with the fundamental duties and responsibilities of the role, including compliance with SOX and all other pertinent regulatory and compliance policies and requirements.

Requirements

• Ability to work effectively with unstructured data, including collecting, cleaning, organizing, and extracting insights from diverse data sources.
• Ability to develop repeatable, accessible data views and reporting packages for both executive-level and operational stakeholders.
• Strong collaboration skills, with the ability to work cross-functionally with Credit Planning, Business Intelligence, Data Analytics, IT, Sales, Underwriting, and Data Governance teams.
• Ability to extract, evaluate, and recommend improvements to data logic and data field usage across enterprise systems.
• Demonstrated adaptability and willingness to take on additional analytical and operational responsibilities as business needs evolve.
• Current rising sophomore or rising junior pursuing a degree in mathematics, economics, statistics, or a related quantitative field.
• Supported data preparation, validation, and analysis for reporting, forecasting, and modeling initiatives in real world or class environments.
• Created and maintained repeatable data views, summaries, and basic reports for internal stakeholders.

Responsibilities

• Perform quantitative analyses with the objective of measuring, forecasting, and optimizing key portfolio performance indicators including analysis of internal portfolio performance data such as delinquency trends, recovery outcomes, inventory levels, and charge-off behavior.
• Utilize historical performance data to develop and enhance predictive credit risk models and loss forecasts.
• Translate analytical findings into recommendations for adjustments to pricing strategies, underwriting criteria, and automated credit decision logic.
• Apply quantitative modeling techniques to support risk-based pricing and credit segmentation, loss forecasting and stress analysis, automated decisioning and model performance monitoring, and evaluation of model assumptions, limitations, and outputs.
• Work closely with our Business Intelligence/Data Analytics team(s) to leverage advanced analytical tools to perform the above analytics in an efficient and effective manner, understand and leverage our data environment to produce analytics, develop easily accessible and repeatable views for several segments of the business, leveraging our advanced analytical tools, and produce data views used in standard data/reporting packages.
• Assist with Credit Planning projects, including documenting project scopes, completing user-testing in our test and live environment to ensure appropriate functionality within the system, participating in system integration discussions by evaluating data field logic, preparing data upload files, and making recommendations, extracting data from our system(s) of record to understand how certain data elements are being used, and working with our Information Technology department, evaluating and creating new data logic, keeping in mind how all segments of the company use this data.
• Perform additional related responsibilities as assigned by the Credit Planning leadership team, as well as assist Director, Credit Planning, as needed.
• Act independently; make sound and prudent decisions in a fast-paced environment.

What This Job Offers

• Job Type: Full-time
• Career Level: Intern
• Number of Employees: 101-250 employees