VP Merchant Acquisition Credit & Loss Prevention Analytics - Elavon

Elavon, Inc.•Horsham, PA

11d•$133,365 - $156,900•Hybrid

About The Position

At U.S. Bank, this position supports the bank’s mission to help customers and businesses make informed financial decisions and contribute to the communities it serves. Elavon, a wholly owned subsidiary of U.S. Bank, builds payment platforms and solutions for more than 1.5 million customers worldwide. The role oversees credit risk and is responsible for achieving credit performance and lending risk profiles in comparison with peer lenders, external Agency Investor requirements, and internal performance goals. It establishes and administers credit policies and procedures for specified business channels to ensure compliance with regulatory, investor, government, and corporate requirements. The position communicates and reviews memoranda, guideline changes, risk appetite, credit quality, and performance with Business Line, Sales, and Operations groups, and assists with effective execution of policy, process, and procedures for managing credit risks. It advocates for the Business Line on credit issues, balancing reasonable credit risks, market share, and revenue growth with loan quality expectations. The role requires working onsite at a U.S. Bank location three or more days per week. U.S. Bank offers a comprehensive benefits package, subject to eligibility requirements. The stated pay range is $133,365 to $156,900, and the actual range may vary by role location.

Requirements

At least 10 years of relevant experience.
Bachelor’s degree or equivalent work experience.

Nice To Haves

Thorough understanding 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 building, implementation, monitoring and integration; interpretation of outputs; and development of recommendations.
Ability to identify commonalities across disparate analytics use cases and develop unique modeling approaches.
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 relative to 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 memoranda, guideline changes, credit risk appetite, credit quality, and performance with Business Line, Sales, and Operations groups.
Assist with effective execution of policies, processes, and procedures for managing credit risks.
Advocate for the Business Line on credit issues, balancing reasonable credit risks and loan quality expectations with market share and revenue growth.

Benefits

Healthcare coverage, including medical, dental, and vision.
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, 401(k) contribution, and pension, subject to eligibility requirements.