Senior Credit Risk Analyst

Republic Finance•Plano, TX

About The Position

The Senior Credit Risk Analyst develops and manages fraud risk and digital portfolio strategies. The role designs and monitors key performance indicators to reduce fraud losses, optimize portfolio performance, maintain acceptable false-positive rates, and limit impacts on legitimate customers. It builds and monitors reporting infrastructure, including dashboards and analytics, to track fraud trends, portfolio performance, and emerging risks. The analyst evaluates fraud’s financial impact and portfolio profitability, establishes risk tolerance thresholds, investigates suspected fraud, and supports application reviews and fraud-case resolution in partnership with branch representatives. The role ensures fraud policies and digital risk practices comply with applicable requirements, communicates risks and performance trends to stakeholders and executive leadership, and collaborates with credit, marketing, and other business units to assess the effects of strategy changes. In partnership with Data Science teams, the analyst helps design, enhance, and validate machine-learning models, including defining input data and target variables and evaluating performance. The position also develops fraud detection strategies and tools using machine-learning models, third-party prevention tools, internal data, graph databases, segmentation, and statistical inference. It classifies default events and fraud types and deploys automated processes to screen applications for fraud in real time and at scale.

Requirements

Bachelor’s degree (or foreign equivalent) in Statistics, Data Science, Business Analytics, or a related field.
Three years of experience as a data analyst, risk analyst, or in a related role.
Experience using R to build decision tree and regression models, complete customer segmentation, and formulate marketing strategies.
Experience using SAS statistical tools to analyze customer demographic information and credit-history datasets for product portfolio optimization and sustainable user-base expansion.
Experience extracting and screening multidimensional data using SQL and developing underwriting frameworks for risk judgment and management capacity.
Experience developing interactive self-service business intelligence dashboards using Tableau.

Responsibilities

Develop and manage fraud risk and digital portfolio strategies using KPIs to minimize fraud losses, optimize performance, maintain acceptable false-positive rates, and limit impacts on legitimate customers.
Build, maintain, and monitor dashboards, analytics, and reporting infrastructure for fraud trends, digital portfolio performance, and emerging risks.
Analyze the financial impact of fraud and portfolio performance on profitability and establish and maintain risk tolerance thresholds.
Investigate suspected fraudulent activity with branch representatives, guide application reviews, and support fraud-case resolution.
Ensure fraud risk policies and digital risk practices comply with applicable federal, state, and regulatory requirements.
Identify, assess, and communicate fraud risks, incidents, and portfolio trends to stakeholders and executive leadership, with actionable insights and recommendations.
Collaborate with credit, marketing, and other business units to evaluate upstream strategy impacts on fraud risk and digital portfolio performance and communicate downstream effects.
Partner with Data Science teams to design, enhance, and validate machine-learning models, including defining input data and target variables and evaluating model performance.
Design and implement fraud detection strategies across the product suite using machine-learning models, third-party fraud prevention tools, and internal data.
Develop fraud detection tools and methodologies using graph databases, segmentation, and statistical inference.
Analyze and classify default events as fraud or non-fraud and categorize fraud types, including first-party, third-party, synthetic identity, bust-out, and chargeback.
Develop and deploy automated scripts and processes to screen for fraudulent applications in real time and at scale.