Small Business Credit Card Portfolio Risk Manager
About The Position
U.S. Bank is seeking a reliable Risk Management professional skilled in SAS/SQL/Python and strategy analysis to manage existing customer credit risks through credit line increase/decrease programs for the Small Business credit card Risk Strategy team. This role will lead the line management function for the Small Business Credit Card portfolio, analyzing historical data to identify risk mitigation and growth opportunities. The position involves developing tools, segmentations, and strategies to optimize financial impact, forecasting strategy impact, and tracking actuals against forecasts. The role requires querying large datasets using SAS, SQL Plus, or Python, performing segmentation and decision tree analysis, and identifying patterns in credit card financial data. It also involves working with consumer and commercial bureaus to develop trigger strategies, identifying data sources for efficiency, and collaborating with system implementation teams. The Risk Manager will review accounts in decisioning systems, monitor portfolio performance, and act as a liaison between Compliance, Risk, and Data Warehouse teams. A key aspect is becoming a data expert for the Small Business team, building reports, data inventory, and analyses for data-driven decisions, and creating automated tracking reports for senior management.
Requirements
- Bachelor's degree or equivalent work experience
- Five to Seven years of related experience
- In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
- Strong analytical skills and ability to analyze models, tools, trends, and patterns
- Expertise with Python, SAS, SAS EG or SQL plus to pull large amounts of data
- Expertise with Power BI, Excel and PowerPoint
- Expertise with Microsoft suites and productivity tools
- Strong process facilitation, project management, analytical, and presentation skills
Nice To Haves
- Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
- Three plus years of relevant experience in credit card risk management functions
- Experience working with small business credit card portfolio preferred
Responsibilities
- Lead the line management function for the Small Business Credit Card portfolio.
- Analyze large amounts of historical data to identify risk mitigation and growth opportunities through data-driven credit line increase and decrease programs.
- Develop tools, segmentations, and strategies to optimize financial impact of these programs.
- Forecast the strategy’s financial impact and track actual against forecast.
- Query large datasets using SAS, SQL Plus, or Python, performing segmentation and decision tree analysis.
- Identify patterns through large credit card financial data.
- Work with consumer and commercial bureaus to develop trigger strategies; identify data sources and tools that will assist with small business credit card line management efficiency.
- Work closely with other areas of the organization such as system implementation teams to support strategy implementation.
- Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers.
- Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner.
- Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized.
- Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions.
- Create and automate timely and accurate tracking and reports for senior management.
- Summarize findings from the reports to deliver clear messages about strategy improvement opportunities.
Benefits
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
