VP Merchant Acquisition Credit & Loss Prevention Analytics - Elavon
About The Position
The VP Merchant Acquisition Credit & Loss Prevention Analytics role is responsible for oversight of credit risk and achieving credit performance and lending risk profiles in line with peer lenders, external Agency Investor requirements, and internal performance goals. The position establishes and administers credit policies and procedures for specified business channels, ensuring compliance with regulatory, investor, government, and corporate requirements. The role communicates and reviews memos, guideline changes, credit risk appetite, credit quality, and performance with Business Line, Sales, and Operations groups. It also supports effective execution of policies, processes, and procedures for managing credit risks, and advocates for the Business Line on credit matters by balancing reasonable credit risks, market share, revenue growth, and loan quality expectations. The position requires working onsite at a U.S. Bank location three or more days per week.
Requirements
- 10 or more years of relevant experience.
- Bachelor's degree or equivalent work experience.
Nice To Haves
- Thorough understanding of all aspects of credit risk policies, procedures, and practices.
- Expert knowledge of advanced modeling techniques and mathematical models, algorithm use and optimization, and data science technologies.
- Considerable knowledge of banking products and services, banking operations, and current market trends.
- Understanding of the full spectrum of data feature retrieval and selection; model technique selection, model build, implementation, monitoring and integration; interpretation of outputs; and development of recommendations.
- Ability to identify commonalities across seemingly disparate analytics use cases and find unique approaches to modeling.
- Strong experience in advanced analytics, statistics, data mining, predictive analysis, time-series analysis, natural language processing, and deep learning.
- Proficiency in Python, SQL, and popular machine learning frameworks and libraries.
- Understanding of Azure cloud services.
- Effective organizational, project management, and execution skills.
- Strong analytical and decision-making skills.
- Excellent interpersonal, verbal, and written communication skills.
Responsibilities
- Oversee credit risk and achieve credit performance and lending risk profiles consistent with peer lenders, external Agency Investor requirements, and internal performance goals.
- Establish and administer credit policies and procedures for specified business channels to ensure compliance with regulatory, investor, government, and corporate requirements.
- Communicate and review memos, guideline changes, credit risk appetite, credit quality, and performance with Business Line, Sales, and Operations groups.
- Assist with effective execution of policy, process, and procedure for managing credit risks.
- Advocate for the Business Line on credit issues, balancing reasonable credit risks with market share and revenue growth while meeting loan quality expectations.
Benefits
- Healthcare, including medical, dental, and vision coverage.
- Basic term and optional term life insurance.
- Short-term and long-term disability coverage.
- Pregnancy disability and parental leave.
- 401(k) and employer-funded retirement plan.
- Paid vacation of 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 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
- Incentive and recognition programs.
- Equity stock purchase program.
- 401(k) contribution and pension, subject to eligibility requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Executive
