Manager 1, Credit Risk Analytics

Intuit • Mountain View, CA

75d • $147,500 - $199,500

About The Position

QuickBooks Capital is on a mission to make a dent in the statistic that one out of every two small businesses fails within their first five years, most often due to running out of cash. We provide small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. As a key leader of the Credit Risk Management team, this individual will be responsible for developing, optimizing and managing strategies for credit card risk underwriting, risk-based pricing, portfolio management, debt collections, fraud analytics and loss forecasting. This is a high visibility role that presents an excellent opportunity to develop a credit card program through a rigorous test and learn agenda.

Requirements

• Bachelor's degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines or equivalent experience
• Minimum 3 years of experience in credit risk analytics and risk management
• Familiarity with credit scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
• Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources
• Excellent analytical and problem-solving skills with a proven track record of converting analysis insights into business recommendations
• Exceptional verbal and written communication skills to effectively communicate complex ideas and influence audiences in decision making
• Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau

Responsibilities

• Develop, implement and manage credit risk strategies across customer targeting, underwriting, pricing, portfolio management, collections and drive overall card profitability
• Leverage cashflow analyses of Intuit's Quick Books customers to enhance underwriting and overall risk management
• Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
• Develop monitoring frameworks and reporting on key performance indicators
• Establish performance expectations and maintain accountability for variance with actuals
• Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
• Partner with Capital Markets, Product, Engineering, Compliance, Marketing and other functions to implement and monitor credit strategy changes
• Proactively contribute innovative concepts for the creation of new financing products at Intuit

Benefits

• Competitive compensation package
• Cash bonus eligibility
• Equity rewards
• Benefits in accordance with applicable plans and programs

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Publishing Industries
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees