VP Merchant Acquisition Credit & Loss Prevention Analytics - Elavon

U.S. Bank•Horsham, PA

10d•$133,365 - $156,900•Hybrid

About The Position

The VP Merchant Acquisition Credit & Loss Prevention Analytics role at Elavon, a wholly owned subsidiary of U.S. Bank, oversees credit risk and supports credit performance aligned with peer lenders, external agency and investor requirements, and internal performance goals. The role 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 policy memoranda, guideline changes, credit risk appetite, credit quality, and performance with business-line, sales, and operations groups. It also assists with effective execution of policies, processes, and procedures for managing credit risks, while advocating for the business line and balancing reasonable credit risks, market share, revenue growth, and loan quality expectations. The role requires working onsite at a U.S. Bank location three or more days per week. The stated pay range is $133,365 to $156,900, with actual pay potentially varying by location. U.S. Bank also describes a comprehensive benefits package, subject to eligibility requirements.

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 data feature retrieval and selection; model technique selection, model development, implementation, monitoring and integration; interpretation of outputs; and development of recommendations.
Ability to identify commonalities across different analytics use cases and find distinctive 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 in comparison with peer lenders, external agency and 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 with market share and revenue growth while meeting loan quality expectations.

Benefits

Healthcare coverage, including medical, dental, and vision.
Basic term and optional term life insurance.
Short-term and long-term disability insurance.
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 per 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
Incentive and recognition programs.
Equity stock purchase.
Pension, subject to eligibility requirements.