Digital Consumer Finance - Lending - Credit Risk - New York

•Design, build and implement best in class credit decision infrastructure for digital banking products for top global financial firm.

  • Identify multitudes of data sources and build processing capability to retain highest degree of information value for credit modelling and strategy development.
  • Build capability to process hundreds of attributes to run optimization algorithms with complex constraints to determine underwriting decision, loan amount and pricing.
  • Collaborate with marketing, analytics, decision science, operation and technology to build a seamless credit decision framework over customer lifecycle that covers targeting, underwriting and servicing of loans.
  • Build and optimize existing customer management strategies to improve customer level profitability.
  • Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment.
  • Keep up to date with applicable regulations and compliance requirements with possible interactions with internal and external regulators.

Basic Qualifications- 8+ years of experience working for a financial services company in risk management and other quantitative function.

  • Master’s degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
  • Prior work experience must include:
  • Building, improving, or analyzing risk management in a digital consumer or small business lending context
  • Expert knowledge of U.S. credit bureau data and Risk Scorecards building infrastructure.
  • Utilizing SAS, R, Python (or similar) for advanced statistical analysis for strategy development.
  • Hands on experience on credit policy implementation using end to end decision engine and loan origination systems.
  • Deep understanding of available technology, products and pain points of credit decision execution.
  • Managing several projects simultaneously and driving end-to-end project delivery
  • Experience developing policy and procedures documentation for credit risk strategy execution.
  • Develop and automate quality control process to ensure intended execution of credit strategies.

Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Vet. © The Goldman Sachs Group, Inc., 2015. All rights reserved.

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