Associate Credit Point of View

Job Description

This an excellent opportunity for an individual who thrives in a fast-paced and team-oriented environment where strong analytical skills, business acumen, and superior communication skills are leveraged to support our companys ability to accurately forecast our losses and identify early signs of credit risks.The Consumer and Community Bank (CCB) currently consists of a number of credit portfolios including Credit Card, Mortgage, Auto, Student Loans, Business Banking and Dealer Commercial Services. The consumer business is supported by both Vertical Organizations (dedicated risk staff supporting a specific business) and Horizontal Organizations (staff that is accountable for working across businesses.) One of these Horizontal organizations is the Consumer Credit Forecasting team.Within Consumer Credit Forecasting is the Credit Point of View team. Our team is accountable for detecting emerging risks within and across consumer products and Chase portfolios, innovating with new credit risk management tools such as machine learning techniques to identify emerging risk patterns, researching and implementing big data sources, and building industry viewpoints and areas of potential industry contagion. We develop views across CCB portfolios to support the Chief Risk Officer (and other senior leaders including the firm CRO, CCB CFO, firm CFO, Investor Relations and Regulators) with a proactive viewpoint on consumer credit trends. The team is looking to staff a risk analyst to fulfil a number of consumer credit responsibilities. The candidate is expected to bring a very strong credit risk experience to be able to analyse trends and come up with relevant conclusions and action items and summarize the findings into presentations ready for senior management. Responsibilities include:

• Understanding the broader picture of how the credit standards, competitive environment, consumer behaviour and macro-economic health are connected to the underlying portfolio performance
• Partnering with quantitative teams both in India and in the US across various lines of business to develop leading indicators of the credit cycle to pick up on trends that could have a broader impact across credit portfolios.
• Summarize the findings from analytical projects into presentations for senior executives
• Analyse the trends being generated by all of our monitoring tools and prepare summary decks with warnings, conclusions and possible action items
• Conduct deep-dives on emerging trends and pro-actively share new insights with the team
• Develop enhanced reporting through use of automation, if required, such as excel macros or SAS programming as needed
• Keeping track of all metrics (delinquencies, roll rates, losses, etc.) for the portfolio
• Manage ad hoc analysis; starting with identifying the opportunities and issues, collecting data, analysing and presenting the data
• Actively participates in Requirements, Testing, and Quality Peer Review sessions
• Presenting findings, recommendations and presentations to Senior Management.
• Support all results through appropriate documentation
• Effectively mentoring other analysts to help them develop their risk management skills and knowledge

• Bachelors degree in a quantitative discipline; Math, Finance, Statistics, Economics or equivalent work/training is required; advanced degree is preferred
• 3+ years of related analytical experience
• Deep credit risk experience in one or more US consumer credit portfolios (i.e. U.S. Mortgage, Home Equity, Credit Card, Automotive, Lease, Business Banking)
• Strong technical skills. Ability to synthesize data and communicate to leadership in a concise and effective manner, both verbally and written
• Focused attention to detail, analytical & inquisitive with high standards for quality and accuracy
• History of effective multi-tasking, expectation setting, and escalation of issues, where appropriate
• Project Management Skills -- well-organized, structured approach. Ability to achieve tight timelines on complex deliverables. Ability to manage and prioritize projects across cross-functional groups
• Strong communication and interpersonal skills, ability to interact with individuals across departments / functions and with senior-level individuals
• Able to work effectively under pressure and in a rapidly changing environment in order to meet deadlines
• Collaborative, team-oriented, passionate about supporting our internal / external clients
• Self-starter, able to take the initiative and operate independently on a daily basis
• Strong understanding of controls and dedicated to continuously improving processes
• Exhibited leadership and desire to oversee the development of credit analysts in the team
• 3+ years of SAS Programming including SAS macros, SQL and Tableau experience
• Highly proficient in Microsoft Office suite of products (Excel and PowerPoint)

Keyskills :
tudent loans credit risk risk analysis strong analytical skills risk management credit risk management risk management tools sas programming