About this role
Support Business Banking Risk Analytics by building and maintaining credit card portfolio monitoring and producing insights on credit performance and exposure. Help implement decisioning and underwriting platform changes through testing and post-launch performance tracking, and deliver recurring risk reporting.
Key Responsibilities
- Build and maintain Business Banking Credit Card performance monitoring across vintages/products using leading indicators
- Enhance analytics for risky populations and support recurring tracking routines/insights for portfolio management actions
- Support decisioning and underwriting platform changes with testing, validation/sign-off, and post-implementation performance tracking
- Quantify tradeoffs of policy/limit actions using cohort performance analysis and produce decision-ready summaries
- Prepare and deliver recurring reporting for risk forums/committees with what-changed/why-it-matters narratives
Technical Overview
Quantitative portfolio analytics for credit cards across the credit card lifecycle, including leading indicators such as delinquency days past due, % over 30+, utilization, and overlimit metrics. Uses SQL (with optional Python/R/SAS/VBA) to build monitoring routines, perform cohort performance analysis, and prepare datasets for Experian Ascend Sandbox ingestion when applicable.
Ideal Candidate
The ideal candidate is a senior quantitative analyst who has built portfolio monitoring routines for credit cards, including vintage monitoring and delinquency/roll-rate style tracking. They are highly proficient with SQL and can translate analytical findings into testable underwriting and decisioning changes, including post-implementation performance tracking and risk forum reporting.
Must-Have Skills
portfolio monitoringSQLquantitative analysis across the credit card lifecyclebuilding and maintaining portfolio monitoring routinescommunicating findings to stakeholderscredit card performance monitoring across vintages/productstestingvalidationsign-offpost-implementation performance trackingrisk forum reportingtrend commentary
Nice-to-Have Skills
PythonRSASVBAbusiness banking (or similar unsecured) portfolio analyticsvintage monitoringdelinquency/roll-rate style trackingexposure and limit analyticsunderwriting/decisioning changes testing scenarios coordinationpost-implementation monitoringsandbox/hosted analytics environments dataset preparationExperian Ascend Sandbox solution
Tools & Platforms
SQLPythonRSASVBAExperian Ascend Sandbox solutionTSYSTRIAD
Required Skills
portfolio monitoringcredit card performance monitoringvintage monitoringleading indicatorsdelinquency days past due% over 30+utilizationcards overlimitSQLPythonRSASVBAcohort performance analysisrating bandsdecision-ready summariesrisk forumsmodel and methodology monitoringquarterly model performance reviewsExperian Ascend Sandbox solutionTSYSTRIADunderwriting platform changesdecisioningtestingvalidationsign-offpost-implementation performance tracking
Hard Skills
portfolio monitoringcredit card performance monitoringvintage monitoringleading indicatorsdelinquency days past due% over 30+utilizationcards overlimitportfolio management actionscredit performanceexposure and limit analyticscohort performance analysisrating bandsexpected impact framingdecision-ready summariesrisk forum reportingtrend commentarymodel and methodology monitoringquarterly model performance reviewsdataset preparationadvanced analytics ingestion preparationSQLPythonRSASVBAExperian Ascend Sandbox solutioncard strategies implementationCredit Card systemsTSYS and TRIADunderwriting platform changesdecisioning and underwriting platform changestestingvalidationsign-offpost-implementation performance tracking
Soft Skills
communication with stakeholdersclear documentationexplain analytical resultswritten communicationverbal communicationquantitative analysiscoordinationexecutive-ready summarization
Keywords for Your Resume
Business Banking Credit Card Senior Analystcredit card lifecycleBusiness Banking Risk Analyticsportfolio monitoringvintage monitoringleading indicatorscustomers dropping below minimum deposit balancedelinquency days past due% over 30+utilization# cards overlimitSQLPythonRSASVBAcohort performance analysisrating bandsdecision-ready summariesrisk forumsmodel and methodology monitoringquarterly model performance reviewsExperian Ascend Sandbox solutionTSYSTRIADunderwriting platform changesdecisioningtestingvalidationsign-offpost-implementation performance tracking
Deal Breakers
Proficiency with SQL, Demonstrated quantitative skills building portfolio monitoring routines, Experience with credit card strategies and common Credit Card systems (TSYS and TRIAD)
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