Sr Analyst Consumer Lending Policy & Analytics

Overview

Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members "do better." Joining PenFed is more than being an employee; it's about being a part of the PenFed family.

PenFed is hiring two (Hybrid) Sr Analyst, Consumer Lending Policy & Analytics at our Tysons, Virgina location. The first role will lead credit analysis and drive sustainable growth through data-driven decision-making in consumer credit policy. The second role will lead credit analysis with a specialty in net-present-value (NPV) based valuation to drive sustainable growth in consumer credit policy.

Both roles will have a direct influence on PenFed's credit product experience for millions of PenFed members and positively impact on PenFed's financial performance while providing data-driven recommendations to optimize the credit product experience.

Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.

Lead analysis and implementation of credit policy optimization and risk mitigation strategies for consumer credit products, like credit cards, personal loans, and auto loans, to support resilient growth under PenFed's strategic objectives.

Drive monitoring and deep dive analysis to support risk mitigation and portfolio health for consumer credit products, identify emerging trends from economic and regulatory changes and provide insights to leadership.

Brainstorm on policy change and provide ongoing analytics to support credit policy and product innovation to adapt to the ever-changing macro-environment.

Collaborate with modeling teams to build and validate risk and / or NPV valuation models using both internal and external data sources, implement models in policy optimization, and / or monitor model performance on an ongoing basis.

Contribute to team goals and support the growth of analysts through collaboration, mentorship, and a commitment to continuous improvement.

Partner with key stakeholders in various groups to spearhead initiatives, execute credit strategies, and enable resilient and profitable growth.

Gain familiarity with multiple data sources to gain insight into industry trends and provide supplements in credit decision making process.

Enhance portfolio reporting and documentation, improve internal efficiencies, contribute to better data quality and data structures, and meet changing management, audit, and regulatory requirements.

Explore creative ways to incorporate AI into credit analysis and BAU process optimization.

Qualifications

Equivalent combination of education and experience is considered.

Bachelor's degree in business, finance, economics, computer science, engineering, math, statistics, or other quantitative discipline required, MBA or master's degree preferred.

Minimum of two (2) years with master's degree or five (5) years' experience in credit risk policy & analysis, credit risk management or modeling in the financial services industry.

Strong skills in various data analysis and visualization tools including SQL, Excel, and PowerPoint are required.

Experience with Tableau preferred.

Experience with Credit Card, Direct Auto, and / or Personal Loan lending policy is strongly preferred.

Proficiency with the statistical tools R and Python is strongly preferred.

Excellent written, verbal communication and presentation skills.

Curiosity, attention to details, strong critical thinking and problem-solving skills.

Ability to work effectively in ambiguous situations, ability to prioritize among multiple projects.

Self-motivated and strong interpersonal skills to actively lead and implement ideas in a cross-functional team environment.

Supervisory Responsibility

This position will not supervise employees.

Licenses and Certifications

There are no additional certifications required.

Work Environment

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.

Travel

Limited travel to various worksites is not required.

About Us

Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and / or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.

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