About this role
Lead credit risk analytics efforts focused on reserving, loss forecasting, and stress testing within consumer lending. Own CECL model execution and lead development of analytics frameworks, risk strategies, and risk reporting for management and committee oversight.
Key Responsibilities
- Lead CECL model execution for consumer lending portfolios
- Design and implement risk management frameworks to identify, measure, and mitigate risk
- Develop and maintain a comprehensive risk reporting suite for management and committee oversight
- Provide expert challenge to risk proposals in credit-related risk areas
- Coach and mentor teams on analytics and risk management
Technical Overview
Applies advanced quantitative analysis to implement and improve CECL models in consumer lending portfolios. Develops resilient, well-governed risk analytics frameworks and maintains a comprehensive risk reporting suite supporting senior oversight.
Ideal Candidate
The ideal candidate is a lead in credit risk analytics with hands-on experience executing CECL models for consumer lending portfolios, including reserving, loss forecasting, and stress testing. They bring strong statistical modeling and quantitative analytics skills, and can lead risk management frameworks and risk reporting for senior committee oversight.
Must-Have Skills
executing CECL models within the consumer lending portfolio spacestrong skills in model developmentimplementationor execution for consumer lending portfoliosadvanced understanding of credit risk performance driversstatistical modelingand analytical toolsleads development and maintenance of comprehensive risk reporting suitedesign and implementation of effective risk management frameworks for identificationmeasurementand mitigation of risk
Required Skills
CECL models (Current Expected Credit Loss)consumer lendingreservingloss forecastingstress testingmodel developmentmodel implementationmodel executioncredit risk performance driversstatistical modelingadvanced quantitative analysisrisk/return optimized strategiesrisk management frameworksrisk reporting suitelines of defensemanagement and committee oversight
Hard Skills
CECL models (Current Expected Credit Loss)consumer lending portfolio analyticsmodel developmentmodel implementationmodel executioncredit risk performance drivers analysisstatistical modelingadvanced quantitative analysisrisk/return optimized risk strategiesrisk management frameworksrisk identificationmeasurementand mitigationrisk reporting suite development and maintenanceresilient risk strategies across lines of defensecredit riskmarket riskoperations riskproduct riskstrategic riskportfolio performance outcomes research and vettingstress testingloss forecastinganalytical frameworksmentoring and coaching (team leadership)
Soft Skills
leading assessments of risks and opportunitiessuccinct communication to diverse and senior leader audiencesthought leadershipcoaching and mentoringchallenge risk proposalscross-department collaborationgovernance-oriented mindset
Keywords for Your Resume
Credit Risk Analytics Manager LeadReservingLoss ForecastingStress TestingCECL modelsCurrent Expected Credit Lossconsumer lendingconsumer portfoliosmodel developmentmodel implementationmodel executioncredit risk performance driversstatistical modelingadvanced quantitative analysisrisk/return optimizedrisk management frameworksrisk identificationrisk measurementrisk mitigationrisk reporting suitelines of defenseloss forecastingstress testingcredit proposalsmanagement and committee oversightmentoringcoachinganalytical rigor
Deal Breakers
Must have proven experience executing CECL models within the consumer lending portfolio space, Must have strong skills in model development, implementation, or execution for consumer lending portfolios, Must have advanced understanding of credit risk performance drivers and statistical modeling
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