At FNBO our employees are the heart of our storyand were committed to their success! Please see below the details of this career opportunity and how it fits into our organizations success.
Summary of the Job :
The Director of Credit Reporting and Analytics is a leadership position that will help shape the credit teams data strategy reporting framework and analytical capabilities. The role will work extensively to help transform complex credit data into actionable business intelligence that drives informed risk decisions and supports various business lines of the Partnership team including consumer and small business cards.
In addition to core responsibilities this role will lead strategic initiatives across several critical areas including 1st party fraud and 3rd party fraud detection for Unsecured Credit Lines (UCL) and Point of Sale (POS) products. The Director will also drive the development and refinement of the Open To Buy strategy to optimize credit line availability for customers. A key focus will be on leading an AI project aimed at enhancing predictive analytics and automation within the credit function. The role will also contribute 20% of its capacity to horizontal analytics efforts providing cross-functional insights that inform broader enterprise strategies.
About This Role :
Major Responsibilities :
Fraud Management
- Lead efforts to detect and manage 1st party fraud at both the point of acquisition and during portfolio management
Establish High Risk Credit Management Manual Review Team & Process
Establish a formal High Risk Credit Management Manual Review process to review risk accounts for 1st party Fraud reasons and close or give credit line decreases to these populationEnsure High Risk Credit Management Manual Review process is established under the Compliance guidelines considering regulatory requirements allowing us to use appropriate adverse actionsCreate targeted ad hoc reports to identify suspicious accounts for review by the High Risk Credit Management Manual Review and HRG teamsOpen To Buy Strategy
Manage and continuously enhance payment float strategies (Open To Buy strategies) by integrating new data sources and optimizing system capabilitiesOptimizing the Open to Buy strategy rules while reducing the bounced payments and charge-offs vs. increasing customer experience through increasing lines available and float less payments for shorter time framesBring new tools to complement EWS coverage to increase the coverage ratio for paymentsFocus on unauthorized payments and reduce the risk through closing and / or denying name mismatch DDA accounts1st & 3rd party Fraud review for HIL and UCL
Manage and enhance HIL and UCL strategies for 1st and 3rd party purposesAlign the pre-approval and post-approval manual review population while considering the expectations from Business as well as considering the losses and funding speed of the loansAdd new tools to capture fake documents for high exposure HIL loans which are prevalent in 1st party fraudManage daily reviews of HIL and UCL and the performance of the manual analysts. Complete feedback loop with the Business for collusive merchants and with HIL Risk team for the necessary underwriting strategiesHorizontal Analytics Support
Support Horizontal Analytics function with his / her analytics based on the required research and enhancements requirements through dedicating 20% of his / her timePresent enhancements in underwriting and portfolio strategies through analytics and make data-driven recommendations to the Origination and Portfolio teamsLeading the Enterprise Fraud function for the Fraud / Credit team with required inputs and analysis to make sure Fraud / Credit is well aligned with the Enterprise Fraud Team and toolsData Stewardship & Infrastructure & Analytics Leadership
Serve as Credits primary liaison with the Enterprise Data Management (EDM) teamAct as a data steward and subject matter expert for credit-related data within the enterprise data warehouse and Galaxy ensuring data quality accessibility and usabilityPromote advance analytics such Machine learning models and Chaid analysis to be able to improve the strategiesOversee the model development / evaluation while working with EDM and external parties to make sure FNBO uses cutting edge tools while the accuracy and application of those statistical tools are correctArtificial Intelligence (AI) & Automation
Lead the enhancement of AI applications within Credit and Fraud to drive automation detect anomalies and improve operational efficiencyContribute to the design of fraud underwriting processes within new Galaxy platform implementationsPartner with VP of IT to be able to implement new AI use cases which will help to make Fraud / Credit reporting more automated to save employee time. Create tools with IVY and w / o IVY (e.g. w / Zest) to detect payment and behavior anomalies to detect Fraud earlierTeam Leadership & Development
Manage a team of analysts and partner with EXL to effectively prioritize tasks and strategic projectsMentor and train analysts to elevate their analytical skills and business impact aiming for top-tier analytical maturity across the teamCross-Functional Influence
Collaborate with cross-functional teams to ensure strategic recommendations are understood aligned and successfully implemented across business units.Agility & Executive Communication
Respond swiftly to ad hoc data-intensive business questions often with limited information and provide actionable insightsKeep Senior Management Team (SMT) informed on progress and outcomes of ad hoc requests and strategic initiativesThe Ideal Candidate for This Role :
Knowledge & Skills
Full understanding of the credit underwriting account management Credit Line Increase (CLI) and Credit Line Decrease BT payment float strategies and other portfolio management actionsMulti-tasking while running a team and projects in tight deadlinesExceptional quick and analytical thinker with advanced math backgroundHands on and strategic experience in advanced analytics statistical modeling and machine learning.Strong management style to deliver heavy analytics under short deadlinesWorking under stress and influencing colleagues cross-functionallyAbility to resolve highly complex or unusual business problemsAbility to manage competing and at time complex priorities with a proven track record of sound decision making practices and able to multi-taskSelf-driven with an ability to build consensus and influence the organization to achieve business goalsEducation and Experience
Masters degree in Statistics Data Science Mathematics Finance Business or related field8 years of experience in credit analytics risk management or a related field3 years in analytical tools (e.g. SQL R Python)Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation :
Compensation range (base pay) : $95857.00-$162957.00
This role may have a specific starting pay within this range.
Final compensation offer to candidate may vary from posted hiring range based upon work experience education and / or skill level.
Work Environment :
It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation mentorship and a vibrant culture where ideas flow freely and relationships flourish. As part of our team youll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.
Benefits Overview :
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance we offer benefits to match your needs :
Medical Dental Vision Insurance
401k With Matching Contributions
Time Off Programs
Health Savings Account (HSA) / Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term / Long-Term Disability Insurance
Learn more about FNBO benefits here : additional information regarding compensation and benefits e-mail FNBO at . To ensure you receive a response include the number of this job (listed below) in the subject line of your message.
Job number : R-
Equal Opportunity & Belonging :
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued recognized and empowered to be their authentic selvesno matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
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FNBO is an Equal Opportunity / Affirmative Action / Veterans / Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline :
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
Required Experience :
Director
Key Skills
Adobe Analytics,Data Analytics,SQL,Attribution Modeling,Power BI,R,Regression Analysis,Data Visualization,Tableau,Data Mining,SAS,Analytics
Employment Type : Full-Time
Experience : years
Vacancy : 1
Monthly Salary Salary : 95857 - 162957